Sylacauga, AL · Cert 30433
FDIC · 3 branches
Q1 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2021, the quarter ended March 31, 2021, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Sylacauga, AL · Cert 30433
FDIC · 3 branches
Q1 2021
Market Position · Birmingham-Hoover, AL · 2020 SOD (annual) · 0.0% share · #37 of 47 inst. · $0.0B of $52.1B
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 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.10% | -0.30% | -0.02% | 0.10% | -0.18% | -0.35% | -0.51% | -0.21% | -30 bps | |
| Return on Equity | -0.85% | -2.55% | -0.15% | 0.77% | -1.49% | -3.01% | -4.45% | -2.06% | -282 bps | |
| Net Interest Margin | 3.56% | 3.53% | 3.64% | 3.26% | 3.29% | 3.01% | 2.84% | 2.53% | -73 bps | |
| Efficiency Ratio | 104.09% | 101.71% | 100.55% | 97.60% | 104.98% | 110.55% | 115.96% | 107.23% | +963 bps | |
| Non-Interest Burden | 3.74% | 3.61% | 3.67% | 3.17% | 3.46% | 3.35% | 3.33% | 2.74% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.44% | -6.36% | -6.61% | -2.84% | 9.20% | 13.30% | 15.93% | 17.78% | +2,062 bps | |
| Loan Growth (YoY) | 6.01% | 4.51% | 2.58% | -5.06% | -3.84% | -5.10% | -5.45% | -10.63% | -557 bps | |
| Deposit Growth (YoY) | -7.38% | -7.29% | -8.09% | -3.41% | 10.44% | 15.41% | 19.24% | 21.80% | +2,521 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.30% | 3.24% | 2.32% | 2.15% | 1.85% | 1.45% | 0.83% | 0.48% | -168 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.58% | 0.40% | -0.41% | -0.20% | -0.08% | -0.06% | -0.01% | +40 bps | |
| Allowance / Loans | 1.77% | 1.73% | 1.60% | 1.76% | 1.67% | 1.66% | 1.76% | 1.93% | +18 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.7x | 0.8x | 0.9x | 1.1x | 2.1x | 4.1x | +3.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.93% | 11.84% | 12.61% | 12.53% | 11.11% | 10.76% | 10.46% | 10.12% | -241 bps | |
| Total Risk-Based Capital | 20.65% | 20.67% | 21.88% | 22.57% | 22.74% | 22.11% | 22.21% | 21.26% | -131 bps | |
| Equity / Assets | 11.97% | 12.18% | 12.80% | 12.33% | 11.23% | 10.93% | 10.71% | 9.60% | -274 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.50% | 80.49% | 79.18% | 72.16% | 68.36% | 66.19% | 62.79% | 52.94% | -1,921 bps | |
| Liquid Assets / Assets | 9.43% | 8.26% | 9.70% | 16.67% | 21.58% | 23.82% | 26.48% | 21.78% | +510 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |