Lowes, KY · Cert 20761
FDIC · 3 branches
Q2 2021
Market Position · Rome, GA · 2021 SOD (annual) · 8.6% share · #8 of 9 inst. · $0.2B of $2.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.56% | 0.61% | 0.89% | 1.25% | 1.04% | +48 bps | |
| Return on Equity | 5.32% | 6.10% | 8.94% | 13.24% | 11.68% | +636 bps | |
| Net Interest Margin | 4.44% | 3.58% | 3.55% | 3.83% | 3.55% | -89 bps | |
| Efficiency Ratio | 72.60% | 83.05% | 75.88% | 68.89% | 72.44% | -16 bps | |
| Non-Interest Burden | 3.08% | 2.87% | 2.54% | 2.46% | 2.41% | -68 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 21.56% | 16.63% | 18.27% | 26.59% | 20.14% | -143 bps | |
| Loan Growth (YoY) | 12.08% | 2.55% | 2.32% | -0.90% | -8.54% | -2,062 bps | |
| Deposit Growth (YoY) | 22.82% | 17.51% | 19.41% | 29.02% | 21.67% | -115 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.58% | 1.45% | 1.39% | 0.89% | 0.85% | -73 bps | |
| Net Charge-Offs / Loans | 0.36% | 0.03% | 0.16% | 0.00% | 0.25% | -11 bps | |
| Allowance / Loans | 1.14% | 1.21% | 1.20% | 1.28% | 1.29% | +15 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.8x | 0.9x | 1.4x | 1.5x | +0.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.10% | 9.89% | 9.99% | 9.51% | 9.00% | -110 bps | |
| Total Risk-Based Capital | 13.02% | 12.95% | 13.09% | 11.91% | 10.91% | -211 bps | |
| Equity / Assets | 10.03% | 10.04% | 9.96% | 9.01% | 8.74% | -129 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.82% | 80.28% | 78.03% | 68.57% | 63.01% | -2,081 bps | |
| Liquid Assets / Assets | 0.62% | 0.61% | 0.59% | 0.56% | 0.41% | -21 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |