Shelbyville, TN · Cert 35604
FDIC · 1 branch
Q4 2024
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 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.94% | 0.95% | 1.01% | 1.08% | 1.13% | 1.37% | 1.30% | +29 bps | |
| Return on Equity | 10.15% | 9.73% | 9.87% | 10.35% | 10.72% | 11.06% | 13.03% | 12.40% | +205 bps | |
| Net Interest Margin | 3.17% | 3.18% | 3.19% | 3.21% | 3.21% | 3.16% | 3.17% | 3.17% | -4 bps | |
| Efficiency Ratio | 60.64% | 61.33% | 61.26% | 59.99% | 58.14% | 57.47% | 53.72% | 52.72% | -727 bps | |
| Non-Interest Burden | 1.79% | 1.81% | 1.82% | 1.79% | 1.74% | 1.69% | 1.45% | 1.41% | -38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.46% | -5.06% | 0.31% | -0.57% | 5.35% | 8.40% | 6.69% | 7.22% | +779 bps | |
| Loan Growth (YoY) | 9.51% | 5.84% | 4.57% | -1.43% | -1.34% | 2.01% | 1.24% | -3.70% | -227 bps | |
| Deposit Growth (YoY) | 2.57% | -6.23% | -0.33% | -1.98% | 5.11% | 7.81% | 4.10% | 7.09% | +907 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.47% | 0.47% | 0.46% | 0.47% | 0.35% | 0.35% | 0.54% | 0.34% | -13 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.73% | 1.76% | 1.74% | 1.63% | 1.65% | 1.63% | 1.63% | 1.69% | +6 bps | |
| Allowance Coverage of NPLs | 3.7x | 3.7x | 3.8x | 3.5x | 4.8x | 4.7x | 3.0x | 5.0x | +1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.13% | 13.62% | 13.88% | 13.88% | 13.79% | 13.64% | 14.05% | 13.74% | -14 bps | |
| Total Risk-Based Capital | 13.13% | 13.62% | 13.88% | 13.88% | 13.79% | 13.64% | 14.05% | 13.74% | -14 bps | |
| Equity / Assets | 9.79% | 10.04% | 9.35% | 10.38% | 9.85% | 10.40% | 11.42% | 10.49% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.98% | 70.58% | 68.80% | 70.23% | 64.74% | 66.78% | 66.91% | 63.15% | -708 bps | |
| Liquid Assets / Assets | 1.24% | 1.29% | 1.26% | 1.25% | 1.18% | 1.19% | 0.78% | 0.65% | -60 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |