Jasper, AL · Cert 31592
FDIC · 1 branch
Q4 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2021, the quarter ended December 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.
Jasper, AL · Cert 31592
FDIC · 1 branch
Q4 2021
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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.21% | 0.33% | 0.11% | -0.33% | -0.27% | -1.04% | -1.41% | -151 bps | |
| Return on Equity | 3.46% | 1.64% | 2.64% | 0.88% | -2.85% | -2.29% | -8.88% | -11.92% | -1,279 bps | |
| Net Interest Margin | 3.00% | 2.84% | 2.69% | 2.51% | 2.10% | 1.99% | 1.95% | 2.06% | -44 bps | |
| Efficiency Ratio | 87.82% | 87.54% | 86.26% | 90.94% | 112.82% | 117.90% | 148.79% | 160.29% | +6,935 bps | |
| Non-Interest Burden | 2.53% | 2.39% | 2.22% | 2.21% | 2.46% | 2.46% | 3.22% | 3.76% | +155 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.51% | 1.99% | 11.02% | 13.28% | 9.78% | 4.26% | -2.03% | -13.60% | -2,688 bps | |
| Loan Growth (YoY) | 0.49% | -3.59% | -2.75% | -11.37% | -14.00% | -10.78% | -16.49% | -15.77% | -440 bps | |
| Deposit Growth (YoY) | 0.61% | 3.53% | 11.00% | 13.84% | 11.99% | 5.73% | -1.03% | -6.62% | -2,046 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.38% | 0.09% | 0.64% | 0.24% | 0.09% | 0.03% | 0.03% | 0.00% | -24 bps | |
| Net Charge-Offs / Loans | -0.30% | 0.52% | 0.43% | 0.78% | 0.09% | 0.19% | 0.10% | 0.11% | -67 bps | |
| Allowance / Loans | 1.17% | 1.02% | 1.04% | 0.99% | 1.01% | 0.87% | 1.01% | 1.05% | +5 bps | |
| Allowance Coverage of NPLs | 3.1x | 11.2x | 1.6x | 4.1x | 11.7x | 27.5x | 30.0x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.70% | 12.40% | 12.08% | 11.75% | 11.67% | 11.75% | 11.43% | 12.04% | +29 bps | |
| Total Risk-Based Capital | 12.70% | 26.15% | 12.08% | 11.75% | 11.67% | 27.75% | 28.37% | 34.44% | +2,268 bps | |
| Equity / Assets | 12.06% | 12.11% | 12.02% | 11.81% | 11.70% | 11.85% | 11.62% | 12.07% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.92% | 47.28% | 46.24% | 41.52% | 39.87% | 39.90% | 39.02% | 37.46% | -407 bps | |
| Liquid Assets / Assets | 41.84% | 48.52% | 46.85% | 51.01% | 53.87% | 55.37% | 56.92% | 62.01% | +1,100 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |