Oxford, AL · Cert 35514
FDIC · 4 branches
Q1 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2021, the quarter ended March 31, 2021, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Oxford, AL · Cert 35514
FDIC · 4 branches
Q1 2021
Market Position · Anniston-Oxford, AL · 2020 SOD (annual) · 8.7% share · #8 of 10 inst. · $0.2B of $2.2B
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 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.52% | 1.45% | 1.45% | 1.24% | 1.55% | 1.47% | 1.50% | 1.39% | +15 bps | |
| Return on Equity | 11.40% | 10.92% | 10.87% | 9.88% | 12.26% | 11.67% | 11.75% | 10.74% | +86 bps | |
| Net Interest Margin | 3.99% | 3.91% | 3.86% | 3.78% | 3.44% | 3.45% | 3.34% | 3.83% | +5 bps | |
| Efficiency Ratio | 60.29% | 61.20% | 60.91% | 63.42% | 56.44% | 58.25% | 57.81% | 70.13% | +671 bps | |
| Non-Interest Burden | 2.22% | 2.22% | 2.16% | 2.22% | 1.61% | 1.68% | 1.69% | 2.53% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.45% | 1.98% | 3.63% | 1.73% | 12.21% | 14.99% | 12.27% | 12.87% | +1,115 bps | |
| Loan Growth (YoY) | 7.31% | 5.98% | 6.93% | 5.88% | 9.07% | 7.84% | 5.77% | -0.31% | -619 bps | |
| Deposit Growth (YoY) | 2.92% | 0.90% | 3.21% | 3.87% | 7.74% | 11.61% | 12.87% | 12.34% | +847 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.02% | 0.06% | 0.01% | 0.00% | 0.00% | 0.10% | 0.01% | 0 bps | |
| Net Charge-Offs / Loans | 0.36% | 0.23% | 0.17% | 0.05% | 0.06% | 0.09% | 0.07% | 0.03% | -2 bps | |
| Allowance / Loans | 1.21% | 1.21% | 1.19% | 1.17% | 1.09% | 1.05% | 1.06% | 1.10% | -6 bps | |
| Allowance Coverage of NPLs | n/a | 49.6x | 18.4x | 109.5x | n/a | n/a | 10.6x | 89.6x | -19.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.84% | 12.96% | 13.03% | 12.52% | 11.88% | 12.02% | 12.22% | 12.33% | -19 bps | |
| Total Risk-Based Capital | 21.25% | 22.21% | 22.20% | 12.52% | 20.51% | 19.90% | 20.70% | 22.18% | +966 bps | |
| Equity / Assets | 12.83% | 13.31% | 13.42% | 11.76% | 12.64% | 12.71% | 13.30% | 12.66% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.99% | 67.20% | 67.63% | 66.49% | 66.80% | 64.93% | 63.38% | 59.01% | -749 bps | |
| Liquid Assets / Assets | 2.80% | 2.69% | 4.45% | 5.72% | 10.37% | 9.40% | 4.96% | 16.65% | +1,093 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |