Livingston, TN · Cert 31980
FDIC · 3 branches
Q2 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2021, the quarter ended June 30, 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.
Livingston, TN · Cert 31980
FDIC · 3 branches
Q2 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 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.33% | 1.38% | 1.39% | 2.19% | 2.09% | 0.26% | 2.10% | 1.78% | -41 bps | |
| Return on Equity | 14.77% | 15.17% | 15.34% | 24.48% | 23.19% | 2.76% | 18.33% | 15.45% | -903 bps | |
| Net Interest Margin | 3.44% | 3.36% | 3.34% | 3.13% | 3.03% | 0.30% | 3.58% | 3.37% | +24 bps | |
| Efficiency Ratio | 67.76% | 67.41% | 66.57% | 55.01% | 56.62% | 51.24% | 39.52% | 44.17% | -1,084 bps | |
| Non-Interest Burden | 2.08% | 2.02% | 1.94% | 0.96% | 1.00% | 0.07% | 0.24% | 0.60% | -36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.95% | 11.84% | 7.91% | 16.11% | 12.45% | 26.35% | 26.97% | 17.18% | +107 bps | |
| Loan Growth (YoY) | 5.26% | 1.71% | 4.72% | 0.14% | 0.15% | -6.26% | -10.92% | -9.36% | -950 bps | |
| Deposit Growth (YoY) | 10.86% | 11.91% | 7.75% | 16.42% | 12.42% | 23.72% | 23.19% | 13.56% | -286 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.19% | 0.16% | 0.09% | 0.03% | 0.03% | 0.04% | 0.03% | 0.06% | +3 bps | |
| Net Charge-Offs / Loans | -0.20% | -0.14% | -0.01% | 0.17% | 0.11% | 0.00% | -0.01% | -0.01% | -17 bps | |
| Allowance / Loans | 1.18% | 1.16% | 1.15% | 1.09% | 1.09% | 0.00% | 0.17% | 0.33% | -75 bps | |
| Allowance Coverage of NPLs | 6.4x | 7.4x | 12.8x | 32.0x | 35.1x | 0.0x | 5.9x | 5.6x | -26.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.14% | 9.32% | 8.98% | 9.08% | 9.29% | 11.22% | 8.60% | 8.47% | -60 bps | |
| Total Risk-Based Capital | 12.64% | 13.90% | 12.42% | 14.85% | 15.58% | 18.81% | 14.13% | 14.47% | -38 bps | |
| Equity / Assets | 8.99% | 9.42% | 8.69% | 8.77% | 9.25% | 11.45% | 11.43% | 11.69% | +291 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.39% | 88.31% | 85.39% | 77.29% | 77.85% | 66.91% | 61.75% | 61.69% | -1,560 bps | |
| Liquid Assets / Assets | 12.52% | 10.23% | 14.05% | 22.56% | 24.41% | 31.43% | 36.01% | 36.70% | +1,414 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |