Camden, AL · Cert 22621
FDIC · 1 branch
Q2 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.74% | 1.16% | 1.72% | 1.58% | 1.31% | 0.84% | 0.91% | 0.88% | -70 bps | |
| Return on Equity | 15.40% | 7.69% | 8.85% | 7.75% | 6.41% | 4.04% | 4.16% | 3.91% | -384 bps | |
| Net Interest Margin | 4.91% | 4.86% | 4.39% | 4.40% | 4.51% | 3.77% | 3.83% | 3.77% | -63 bps | |
| Efficiency Ratio | 51.80% | 59.66% | 56.29% | 60.21% | 62.63% | 67.56% | 73.40% | 74.31% | +1,410 bps | |
| Non-Interest Burden | 1.83% | 2.34% | 2.04% | 2.24% | 2.43% | 2.19% | 2.49% | 2.51% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.63% | -4.21% | -2.30% | -4.53% | 0.54% | -3.94% | -3.84% | -2.95% | +158 bps | |
| Loan Growth (YoY) | -1.55% | 4.54% | 2.24% | 2.18% | -3.80% | -10.55% | -13.64% | -12.53% | -1,471 bps | |
| Deposit Growth (YoY) | -9.32% | -10.54% | -11.21% | -14.92% | -8.52% | -7.37% | -6.27% | -5.38% | +954 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.18% | 0.85% | 1.28% | 1.46% | 1.41% | 2.59% | 4.16% | 5.14% | +368 bps | |
| Net Charge-Offs / Loans | -0.38% | 1.32% | -0.21% | -0.38% | 0.96% | 0.43% | -0.01% | 0.54% | +92 bps | |
| Allowance / Loans | 1.51% | 1.43% | 1.96% | 2.11% | 2.05% | 2.02% | 2.16% | 2.05% | -5 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.7x | 1.5x | 1.4x | 1.5x | 0.8x | 0.5x | 0.4x | -1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.71% | 19.29% | 18.32% | 19.09% | 19.81% | 19.78% | 20.33% | 21.15% | +206 bps | |
| Total Risk-Based Capital | 10.71% | 19.29% | 18.32% | 19.09% | 19.81% | 19.78% | 20.33% | 21.15% | +206 bps | |
| Equity / Assets | 11.04% | 18.83% | 19.94% | 20.73% | 20.15% | 21.61% | 22.05% | 22.85% | +212 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.82% | 64.54% | 65.52% | 66.77% | 63.96% | 62.32% | 60.37% | 61.73% | -504 bps | |
| Liquid Assets / Assets | 0.48% | 0.57% | 0.63% | 0.60% | 0.64% | 1.28% | 1.96% | 2.14% | +154 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |