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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.41% | 1.37% | 1.30% | 1.58% | 1.38% | 1.44% | 1.24% | -6 bps | |
| Return on Equity | 3.32% | 3.05% | 10.45% | 10.89% | 14.52% | 12.62% | 13.61% | 11.47% | +58 bps | |
| Net Interest Margin | 3.30% | 3.11% | 3.14% | 2.89% | 2.74% | 2.87% | 2.68% | 2.74% | -15 bps | |
| Efficiency Ratio | 52.47% | 51.36% | 53.00% | 48.52% | 53.54% | 49.52% | 48.75% | 51.10% | +259 bps | |
| Non-Interest Burden | 1.52% | 1.40% | 1.47% | 1.18% | 1.25% | 1.20% | 1.04% | 1.14% | -4 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% | 0.28% | 0.06% | 0.05% | 0.04% | 0.10% | 0.00% | 0.11% | +5 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 |