Livingston, TN · Cert 31980
FDIC · 3 branches
Q2 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.57% | 1.51% | 1.39% | 2.96% | 1.88% | -4.66% | 2.10% | 1.46% | -150 bps | |
| Return on Equity | 17.56% | 16.39% | 15.34% | 33.93% | 20.84% | -44.76% | 18.33% | 12.62% | -2,131 bps | |
| Net Interest Margin | 3.57% | 3.39% | 3.34% | 3.16% | 3.01% | -6.87% | 3.58% | 3.32% | +16 bps | |
| Efficiency Ratio | 64.31% | 66.39% | 66.57% | 47.18% | 59.82% | 51.24% | 39.52% | 49.49% | +231 bps | |
| Non-Interest Burden | 1.95% | 2.00% | 1.94% | 0.12% | 1.12% | -2.38% | 0.24% | 0.97% | +85 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 | 0.15% | 0.05% | -0.01% | 0.34% | 0.00% | -0.36% | -0.01% | 0.00% | -34 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 |