Hanceville, AL · Cert 46
FDIC · 5 branches
Q4 2021
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 | 1.29% | 1.14% | 1.04% | 1.03% | 0.81% | 1.03% | 1.00% | 0.69% | -34 bps | |
| Return on Equity | 12.17% | 11.03% | 10.26% | 10.32% | 8.83% | 11.12% | 10.78% | 7.46% | -286 bps | |
| Net Interest Margin | 3.76% | 3.37% | 3.19% | 3.12% | 2.88% | 2.99% | 2.96% | 2.90% | -22 bps | |
| Efficiency Ratio | 64.56% | 62.12% | 64.48% | 64.17% | 68.21% | 62.58% | 63.56% | 75.83% | +1,166 bps | |
| Non-Interest Burden | 2.07% | 1.78% | 1.80% | 1.74% | 1.72% | 1.59% | 1.61% | 2.01% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.31% | 15.47% | 16.11% | 25.50% | 27.49% | 13.42% | 12.02% | 3.18% | -2,232 bps | |
| Loan Growth (YoY) | 1.53% | 15.52% | 13.00% | 7.92% | 8.74% | -4.28% | -4.41% | -1.39% | -931 bps | |
| Deposit Growth (YoY) | 2.59% | 15.87% | 16.92% | 27.44% | 29.62% | 14.27% | 12.50% | 3.31% | -2,413 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.74% | 0.60% | 0.10% | 0.22% | 0.20% | 0.25% | 0.28% | 0.09% | -13 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.05% | 0.08% | 0.07% | 0.22% | 0.10% | 0.10% | 0.02% | -4 bps | |
| Allowance / Loans | 1.10% | 1.10% | 1.12% | 1.25% | 1.22% | 1.27% | 1.30% | 1.26% | +1 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.8x | 11.0x | 5.7x | 6.1x | 5.1x | 4.7x | 13.8x | +8.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.84% | 9.87% | 9.61% | 9.48% | 9.29% | 9.16% | 9.34% | 9.26% | -22 bps | |
| Total Risk-Based Capital | 18.19% | 19.23% | 19.51% | 18.19% | 19.00% | 18.04% | 18.02% | 18.22% | +2 bps | |
| Equity / Assets | 10.47% | 9.86% | 9.77% | 9.41% | 9.04% | 9.26% | 9.41% | 9.31% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.27% | 67.19% | 64.55% | 57.64% | 56.44% | 56.28% | 54.85% | 55.01% | -262 bps | |
| Liquid Assets / Assets | 3.44% | 2.32% | 2.71% | 2.72% | 1.39% | 2.64% | 3.20% | 5.76% | +305 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |