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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.31% | 0.60% | 0.55% | 2.21% | 0.58% | 0.62% | 0.59% | +4 bps | |
| Return on Equity | 6.12% | 2.95% | 5.88% | 5.41% | 21.42% | 5.59% | 6.04% | 5.67% | +26 bps | |
| Net Interest Margin | 3.96% | 4.03% | 4.18% | 4.20% | 5.08% | 4.40% | 4.29% | 4.23% | +3 bps | |
| Efficiency Ratio | 79.79% | 91.65% | 83.87% | 84.83% | 55.72% | 82.45% | 82.39% | 83.22% | -161 bps | |
| Non-Interest Burden | 3.04% | 3.64% | 3.42% | 3.48% | 2.16% | 3.54% | 3.45% | 3.44% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.22% | 4.43% | 2.52% | 2.50% | 6.62% | 4.61% | 5.03% | 4.91% | +241 bps | |
| Loan Growth (YoY) | -1.77% | 4.13% | 4.40% | 8.48% | 8.66% | 7.00% | 6.73% | 7.43% | -105 bps | |
| Deposit Growth (YoY) | 9.74% | 9.65% | 4.35% | 2.61% | 6.67% | 3.58% | 3.93% | 3.72% | +110 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.56% | 2.48% | 1.36% | 1.52% | 0.19% | 0.18% | 0.00% | 0.00% | -152 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.02% | 0.89% | -0.36% | -0.16% | -0.18% | -0.03% | -0.03% | +33 bps | |
| Allowance / Loans | 1.01% | 1.00% | 0.78% | 0.87% | 0.90% | 0.94% | 0.95% | 0.93% | +6 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.6x | 0.6x | 4.8x | 5.3x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.59% | 10.06% | 9.64% | 9.67% | 10.41% | 10.28% | 10.15% | 10.15% | +48 bps | |
| Total Risk-Based Capital | 12.93% | 12.44% | 12.35% | 12.15% | 13.29% | 12.49% | 13.03% | 12.66% | +51 bps | |
| Equity / Assets | 10.48% | 10.25% | 10.22% | 10.22% | 10.40% | 10.30% | 10.34% | 10.42% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.43% | 92.57% | 91.81% | 93.05% | 92.12% | 95.62% | 94.28% | 96.37% | +333 bps | |
| Liquid Assets / Assets | 5.40% | 3.51% | 4.01% | 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 | n/a | n/a | n/a |