Chattanooga, TN · Cert 35525
FDIC · 3 branches
Q4 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2021, the quarter ended December 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.
Chattanooga, TN · Cert 35525
FDIC · 3 branches
Q4 2021
Market Position · Atlanta-Sandy Springs-Alpharetta, GA · 2021 SOD (annual) · 1.4% share · #12 of 81 inst. · $3.3B of $236.1B
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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.42% | 0.74% | 0.88% | 1.58% | 1.48% | 1.45% | 1.42% | +54 bps | |
| Return on Equity | 3.32% | 3.19% | 5.64% | 6.99% | 14.52% | 13.53% | 13.56% | 13.02% | +603 bps | |
| Net Interest Margin | 3.30% | 3.06% | 3.06% | 2.77% | 2.74% | 2.74% | 2.66% | 2.69% | -8 bps | |
| Efficiency Ratio | 52.47% | 51.91% | 52.28% | 51.29% | 53.54% | 51.45% | 50.52% | 50.67% | -62 bps | |
| Non-Interest Burden | 1.52% | 1.40% | 1.41% | 1.24% | 1.25% | 1.20% | 1.12% | 1.13% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.78% | 21.03% | 21.25% | 24.25% | 37.23% | 30.74% | 44.01% | 5.64% | -1,860 bps | |
| Loan Growth (YoY) | -8.86% | 22.13% | 19.18% | 20.02% | 19.13% | 3.62% | 4.42% | 5.35% | -1,467 bps | |
| Deposit Growth (YoY) | -8.78% | 29.38% | 34.08% | 26.82% | 47.02% | 37.06% | 49.56% | 4.91% | -2,191 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.34% | 0.29% | 0.25% | 0.22% | 0.09% | 0.23% | 0.18% | 0.18% | -4 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.16% | 0.13% | 0.10% | 0.04% | 0.07% | 0.05% | 0.06% | -4 bps | |
| Allowance / Loans | 1.29% | 1.45% | 1.46% | 1.41% | 1.19% | 1.15% | 1.05% | 0.94% | -48 bps | |
| Allowance Coverage of NPLs | 3.8x | 5.0x | 5.9x | 6.5x | 13.4x | 5.0x | 5.9x | 5.3x | -1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.17% | 11.25% | 11.46% | 10.64% | 10.18% | 10.12% | 10.21% | 10.66% | +2 bps | |
| Total Risk-Based Capital | 14.39% | 14.39% | 15.62% | 15.40% | 15.88% | 15.64% | 15.60% | 15.08% | -32 bps | |
| Equity / Assets | 13.60% | 12.97% | 13.17% | 10.94% | 10.78% | 11.05% | 10.21% | 11.54% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.40% | 90.35% | 87.64% | 70.74% | 70.01% | 68.30% | 61.19% | 71.03% | +29 bps | |
| Liquid Assets / Assets | 11.06% | 7.58% | 9.48% | 23.15% | 22.39% | 21.88% | 24.92% | 16.12% | -703 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |