Camden, AL · Cert 22621
FDIC · 1 branch
Q2 2024
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 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.53% | 1.43% | 1.72% | 1.65% | 1.53% | 1.36% | 0.91% | 0.89% | -76 bps | |
| Return on Equity | 12.72% | 10.68% | 8.85% | 8.32% | 7.70% | 6.72% | 4.16% | 4.03% | -429 bps | |
| Net Interest Margin | 4.61% | 4.66% | 4.39% | 4.44% | 4.52% | 4.29% | 3.83% | 3.86% | -58 bps | |
| Efficiency Ratio | 55.33% | 56.41% | 56.29% | 58.23% | 59.68% | 61.47% | 73.40% | 73.84% | +1,561 bps | |
| Non-Interest Burden | 1.93% | 2.00% | 2.04% | 2.16% | 2.27% | 2.23% | 2.49% | 2.53% | +37 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 | -0.33% | 0.09% | -0.21% | -0.30% | 0.12% | 0.20% | -0.01% | 0.27% | +56 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 |