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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 1.08% | 1.05% | 1.04% | 1.08% | 1.15% | 1.11% | 1.59% | +55 bps | |
| Return on Equity | 10.59% | 11.13% | 10.90% | 10.43% | 10.80% | 11.43% | 10.70% | 14.71% | +428 bps | |
| Net Interest Margin | 2.50% | 2.78% | 2.90% | 3.08% | 3.33% | 3.18% | 3.21% | 3.21% | +13 bps | |
| Efficiency Ratio | 55.93% | 53.45% | 54.54% | 56.01% | 60.80% | 57.11% | 56.90% | 52.78% | -324 bps | |
| Non-Interest Burden | 1.30% | 1.40% | 1.50% | 1.66% | 1.96% | 1.71% | 1.76% | 1.57% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.70% | -5.95% | -2.31% | -1.46% | 6.15% | 10.20% | 3.57% | 2.53% | +399 bps | |
| Loan Growth (YoY) | -6.94% | -7.12% | -7.94% | 0.25% | 8.55% | 6.93% | 6.12% | 1.32% | +106 bps | |
| Deposit Growth (YoY) | 2.35% | -4.48% | 0.14% | -2.94% | 7.29% | 12.09% | 5.28% | 4.06% | +700 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.63% | 0.71% | 0.73% | 0.70% | 0.74% | 0.69% | 0.77% | 0.68% | -2 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.05% | 0.07% | 0.02% | 0.02% | 0.06% | 0.01% | 0.04% | +2 bps | |
| Allowance / Loans | 0.83% | 0.82% | 0.82% | 0.79% | 0.76% | 0.78% | 0.79% | 0.76% | -3 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.2x | 1.1x | 1.1x | 1.0x | 1.1x | 1.0x | 1.1x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.65% | 9.78% | 9.76% | 10.05% | 10.08% | 9.92% | 10.35% | 10.64% | +60 bps | |
| Total Risk-Based Capital | 16.09% | 15.33% | 15.72% | 15.48% | 14.89% | 15.29% | 15.67% | 16.11% | +63 bps | |
| Equity / Assets | 9.87% | 9.49% | 9.81% | 10.05% | 9.93% | 10.15% | 10.59% | 11.00% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.34% | 99.47% | 95.14% | 99.05% | 97.47% | 94.89% | 95.89% | 96.45% | -261 bps | |
| Liquid Assets / Assets | 1.15% | 0.70% | 0.18% | 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 | n/a | n/a | n/a |