Cordova, TN · Cert 35245
FDIC · 4 branches
Q3 2019
Market Position · Memphis, TN-MS-AR · 2019 SOD (annual) · 0.4% share · #35 of 54 inst. · $0.1B of $31.9B
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 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.93% | 0.58% | 0.60% | 0.60% | +11 bps | |
| Return on Equity | 4.74% | 8.98% | 5.59% | 5.79% | 5.75% | +101 bps | |
| Net Interest Margin | 4.14% | 4.28% | 4.40% | 4.29% | 4.24% | +10 bps | |
| Efficiency Ratio | 86.66% | 76.45% | 82.45% | 82.42% | 82.69% | -397 bps | |
| Non-Interest Burden | 3.51% | 3.10% | 3.54% | 3.46% | 3.43% | -9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.50% | 6.62% | 4.61% | 5.03% | 4.91% | +241 bps | |
| Loan Growth (YoY) | 8.48% | 8.66% | 7.00% | 6.73% | 7.43% | -105 bps | |
| Deposit Growth (YoY) | 2.61% | 6.67% | 3.58% | 3.93% | 3.72% | +110 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.52% | 0.19% | 0.18% | 0.00% | 0.00% | -152 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.08% | -0.18% | -0.10% | -0.08% | -24 bps | |
| Allowance / Loans | 0.87% | 0.90% | 0.94% | 0.95% | 0.93% | +6 bps | |
| Allowance Coverage of NPLs | 0.6x | 4.8x | 5.3x | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.67% | 10.41% | 10.28% | 10.15% | 10.15% | +48 bps | |
| Total Risk-Based Capital | 12.15% | 13.29% | 12.49% | 13.03% | 12.66% | +51 bps | |
| Equity / Assets | 10.22% | 10.40% | 10.30% | 10.34% | 10.42% | +20 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.05% | 92.12% | 95.62% | 94.28% | 96.37% | +333 bps | |
| Liquid Assets / Assets | 3.55% | 5.64% | 2.92% | 4.37% | 3.08% | -47 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |