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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 1.02% | 0.91% | 0.72% | 0.69% | 0.74% | 1.25% | 1.14% | +42 bps | |
| Return on Equity | 9.21% | 9.41% | 8.30% | 6.81% | 6.57% | 7.17% | 13.24% | 12.43% | +562 bps | |
| Net Interest Margin | 4.82% | 4.61% | 4.39% | 4.22% | 3.91% | 3.78% | 3.83% | 3.55% | -67 bps | |
| Efficiency Ratio | 76.55% | 76.36% | 79.76% | 76.09% | 78.27% | 77.70% | 68.89% | 70.67% | -541 bps | |
| Non-Interest Burden | 3.52% | 3.35% | 3.35% | 3.07% | 2.93% | 2.80% | 2.46% | 2.34% | -72 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.97% | 10.65% | 10.43% | 21.56% | 16.63% | 18.27% | 26.59% | 20.14% | -143 bps | |
| Loan Growth (YoY) | 9.10% | 8.16% | 6.64% | 12.08% | 2.55% | 2.32% | -0.90% | -8.54% | -2,062 bps | |
| Deposit Growth (YoY) | 9.66% | 11.48% | 12.11% | 22.82% | 17.51% | 19.41% | 29.02% | 21.67% | -115 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.76% | 1.52% | 1.92% | 1.58% | 1.45% | 1.39% | 0.89% | 0.85% | -73 bps | |
| Net Charge-Offs / Loans | 0.27% | 0.20% | 0.03% | 0.20% | 0.15% | 0.15% | 0.00% | 0.13% | -7 bps | |
| Allowance / Loans | 0.93% | 1.00% | 1.02% | 1.14% | 1.21% | 1.20% | 1.28% | 1.29% | +15 bps | |
| Allowance Coverage of NPLs | 1.2x | 0.7x | 0.5x | 0.7x | 0.8x | 0.9x | 1.4x | 1.5x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.15% | 10.96% | 11.07% | 10.10% | 9.89% | 9.99% | 9.51% | 9.00% | -110 bps | |
| Total Risk-Based Capital | 13.40% | 13.72% | 13.83% | 13.02% | 12.95% | 13.09% | 11.91% | 10.91% | -211 bps | |
| Equity / Assets | 10.82% | 10.92% | 11.05% | 10.03% | 10.04% | 9.96% | 9.01% | 8.74% | -129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.98% | 91.06% | 89.26% | 83.82% | 80.28% | 78.03% | 68.57% | 63.01% | -2,081 bps | |
| Liquid Assets / Assets | 0.71% | 0.70% | 0.68% | 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 | n/a | n/a | n/a |