Elizabethton, TN · Cert 31381
FDIC · 2 branches
Q4 2020
Market Position · Johnson City, TN · 2020 SOD (annual) · 1.2% share · #12 of 18 inst. · $0.0B of $3.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.57% | 0.23% | 0.38% | 0.22% | 0.74% | 0.56% | 0.66% | +28 bps | |
| Return on Equity | 1.97% | 3.86% | 1.49% | 2.36% | 1.40% | 4.66% | 3.44% | 4.10% | +175 bps | |
| Net Interest Margin | 2.99% | 3.10% | 2.91% | 2.99% | 2.99% | 2.67% | 2.92% | 3.17% | +18 bps | |
| Efficiency Ratio | 90.30% | 84.40% | 94.76% | 87.90% | 92.32% | 75.42% | 82.69% | 82.99% | -491 bps | |
| Non-Interest Burden | 2.66% | 2.57% | 2.74% | 2.57% | 2.75% | 1.75% | 2.29% | 2.53% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.90% | -1.21% | -9.26% | -8.63% | -6.50% | -6.92% | -0.63% | 1.22% | +985 bps | |
| Loan Growth (YoY) | 5.48% | 4.31% | 2.09% | -1.53% | -4.76% | -9.10% | -7.26% | -8.17% | -664 bps | |
| Deposit Growth (YoY) | 0.21% | 0.01% | -8.80% | -8.04% | -11.52% | -14.32% | -6.61% | -3.56% | +448 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.43% | 0.64% | 0.64% | 1.88% | 1.17% | 1.21% | 1.06% | 1.08% | -79 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.02% | -0.02% | -0.02% | 0.01% | 0.01% | 0.02% | -0.16% | -14 bps | |
| Allowance / Loans | 0.96% | 0.96% | 0.96% | 0.98% | 1.01% | 1.05% | 1.03% | 1.10% | +12 bps | |
| Allowance Coverage of NPLs | 0.7x | 1.5x | 1.5x | 0.5x | 0.9x | 0.9x | 1.0x | 1.0x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.71% | 14.60% | 15.00% | 16.04% | 16.30% | 15.65% | 16.22% | 15.84% | -20 bps | |
| Total Risk-Based Capital | 25.52% | 25.48% | 26.65% | 26.70% | 27.64% | 28.09% | 27.81% | 27.67% | +97 bps | |
| Equity / Assets | 14.64% | 14.94% | 15.92% | 16.14% | 15.66% | 16.33% | 16.32% | 15.75% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.14% | 90.90% | 97.22% | 96.82% | 98.10% | 96.44% | 96.55% | 92.20% | -462 bps | |
| Liquid Assets / Assets | 3.44% | 2.84% | 1.89% | 1.89% | 2.58% | 2.76% | 0.99% | 1.52% | -37 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |