Memphis, TN · Cert 34982
FDIC · 8 branches
Q3 2021
Market Position · Memphis, TN-MS-AR · 2021 SOD (annual) · 1.7% share · #11 of 51 inst. · $0.7B of $40.8B
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 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.05% | 1.06% | 1.15% | 1.13% | 1.28% | +23 bps | |
| Return on Equity | 10.73% | 10.74% | 11.43% | 11.06% | 12.31% | +158 bps | |
| Net Interest Margin | 2.91% | 2.95% | 3.18% | 3.23% | 3.21% | +30 bps | |
| Efficiency Ratio | 54.71% | 56.43% | 57.11% | 57.00% | 55.58% | +87 bps | |
| Non-Interest Burden | 1.51% | 1.59% | 1.71% | 1.75% | 1.69% | +17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.46% | 6.15% | 10.20% | 3.57% | 2.53% | +399 bps | |
| Loan Growth (YoY) | 0.25% | 8.55% | 6.93% | 6.12% | 1.32% | +106 bps | |
| Deposit Growth (YoY) | -2.94% | 7.29% | 12.09% | 5.28% | 4.06% | +700 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.70% | 0.74% | 0.69% | 0.77% | 0.68% | -2 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.04% | 0.06% | 0.04% | 0.04% | -1 bps | |
| Allowance / Loans | 0.79% | 0.76% | 0.78% | 0.79% | 0.76% | -3 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.0x | 1.1x | 1.0x | 1.1x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.05% | 10.08% | 9.92% | 10.35% | 10.64% | +60 bps | |
| Total Risk-Based Capital | 15.48% | 14.89% | 15.29% | 15.67% | 16.11% | +63 bps | |
| Equity / Assets | 10.05% | 9.93% | 10.15% | 10.59% | 11.00% | +95 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.05% | 97.47% | 94.89% | 95.89% | 96.45% | -261 bps | |
| Liquid Assets / Assets | 0.63% | 0.19% | 0.10% | 0.59% | 0.59% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |