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 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.19% | 2.09% | 0.26% | 2.10% | 1.78% | -41 bps | |
| Return on Equity | 24.48% | 23.19% | 2.76% | 18.33% | 15.45% | -903 bps | |
| Net Interest Margin | 3.13% | 3.03% | 0.30% | 3.58% | 3.37% | +24 bps | |
| Efficiency Ratio | 55.01% | 56.62% | 51.24% | 39.52% | 44.17% | -1,084 bps | |
| Non-Interest Burden | 0.96% | 1.00% | 0.07% | 0.24% | 0.60% | -36 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.11% | 12.45% | 26.35% | 26.97% | 17.18% | +107 bps | |
| Loan Growth (YoY) | 0.14% | 0.15% | -6.26% | -10.92% | -9.36% | -950 bps | |
| Deposit Growth (YoY) | 16.42% | 12.42% | 23.72% | 23.19% | 13.56% | -286 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.03% | 0.03% | 0.04% | 0.03% | 0.06% | +3 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.11% | 0.00% | -0.01% | -0.01% | -17 bps | |
| Allowance / Loans | 1.09% | 1.09% | 0.00% | 0.17% | 0.33% | -75 bps | |
| Allowance Coverage of NPLs | 32.0x | 35.1x | 0.0x | 5.9x | 5.6x | -26.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.08% | 9.29% | 11.22% | 8.60% | 8.47% | -60 bps | |
| Total Risk-Based Capital | 14.85% | 15.58% | 18.81% | 14.13% | 14.47% | -38 bps | |
| Equity / Assets | 8.77% | 9.25% | 11.45% | 11.43% | 11.69% | +291 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.29% | 77.85% | 66.91% | 61.75% | 61.69% | -1,560 bps | |
| Liquid Assets / Assets | 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 |