Germantown, TN · Cert 58227
FDIC · 6 branches
Q3 2021
Market Position · Memphis, TN-MS-AR · 2021 SOD (annual) · 1.5% share · #13 of 51 inst. · $0.6B of $40.8B
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 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.58% | 0.88% | 0.98% | 0.88% | 0.94% | 0.70% | 0.67% | -31 bps | |
| Return on Equity | 8.90% | 6.26% | 9.45% | 10.55% | 9.36% | 9.53% | 7.01% | 6.69% | -387 bps | |
| Net Interest Margin | 2.61% | 2.55% | 2.61% | 2.58% | 2.63% | 2.99% | 2.91% | 2.95% | +37 bps | |
| Efficiency Ratio | 71.65% | 74.26% | 70.42% | 64.19% | 64.79% | 67.50% | 73.34% | 74.41% | +1,022 bps | |
| Non-Interest Burden | 1.52% | 1.50% | 1.17% | 0.70% | 0.85% | 1.43% | 1.76% | 1.89% | +119 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.26% | 4.97% | 12.07% | 10.14% | 4.71% | 7.79% | -0.17% | -7.55% | -1,770 bps | |
| Loan Growth (YoY) | 4.95% | 4.05% | 11.46% | 11.76% | 9.58% | 10.18% | 3.40% | -5.46% | -1,722 bps | |
| Deposit Growth (YoY) | 16.79% | 15.21% | 8.77% | 1.29% | -3.50% | 4.57% | -1.09% | 0.53% | -76 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.39% | 1.28% | 1.17% | 1.04% | 0.03% | 0.02% | 0.00% | 1.29% | +25 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.04% | -0.02% | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.01% | 1.08% | 1.01% | 1.25% | 1.58% | 1.64% | 1.66% | 1.78% | +53 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.8x | 0.9x | 1.2x | 54.4x | 76.4x | n/a | 1.4x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.82% | 9.09% | 9.49% | 9.66% | 9.56% | 10.03% | 9.87% | 9.93% | +27 bps | |
| Total Risk-Based Capital | 11.97% | 12.00% | 12.28% | 12.22% | 12.54% | 12.95% | 12.82% | 13.72% | +150 bps | |
| Equity / Assets | 9.18% | 9.47% | 9.37% | 9.24% | 9.90% | 9.83% | 10.05% | 10.55% | +131 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.12% | 90.32% | 97.37% | 103.46% | 102.34% | 95.16% | 101.79% | 97.31% | -616 bps | |
| Liquid Assets / Assets | 2.49% | 0.27% | 0.96% | 1.61% | 0.47% | 2.91% | 0.64% | 0.18% | -143 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |