Springfield, TN · Cert 58366
FDIC · 28 branches
Q4 2021
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2021 SOD (annual) · 2.3% share · #10 of 63 inst. · $2.0B of $89.1B
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 | 0.81% | 1.81% | 1.67% | 1.73% | 1.71% | 1.83% | 2.02% | 2.04% | +32 bps | |
| Return on Equity | 6.23% | 14.63% | 13.78% | 13.84% | 13.32% | 13.96% | 14.91% | 14.53% | +69 bps | |
| Net Interest Margin | 3.52% | 4.32% | 4.34% | 4.27% | 4.23% | 3.93% | 4.06% | 4.44% | +17 bps | |
| Efficiency Ratio | 66.42% | 50.02% | 52.93% | 50.79% | 54.58% | 55.96% | 53.09% | 56.66% | +587 bps | |
| Non-Interest Burden | 2.14% | 1.89% | 1.93% | 1.62% | 1.88% | 1.88% | 1.64% | 2.11% | +49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.36% | 66.15% | 63.69% | 59.08% | 40.53% | 3.61% | -1.02% | -0.73% | -5,981 bps | |
| Loan Growth (YoY) | 32.85% | 82.66% | 79.71% | 69.15% | 44.63% | 5.44% | -0.21% | 0.52% | -6,863 bps | |
| Deposit Growth (YoY) | 14.55% | 63.23% | 59.13% | 58.22% | 50.89% | 3.86% | -0.70% | -2.60% | -6,082 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.24% | 0.31% | 0.28% | 0.27% | 0.29% | 0.25% | 0.26% | 0.18% | -9 bps | |
| Net Charge-Offs / Loans | 0.08% | -0.02% | -0.02% | 0.02% | -0.02% | -0.02% | 0.00% | 0.17% | +15 bps | |
| Allowance / Loans | 0.89% | 0.75% | 0.81% | 0.84% | 0.85% | 0.82% | 0.85% | 0.81% | -4 bps | |
| Allowance Coverage of NPLs | 3.7x | 2.4x | 2.9x | 3.1x | 2.9x | 3.3x | 3.3x | 4.4x | +1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.58% | 10.23% | 10.48% | 10.64% | 11.06% | 11.14% | 11.76% | 12.17% | +153 bps | |
| Total Risk-Based Capital | 13.00% | 12.92% | 13.33% | 13.71% | 13.79% | 13.30% | 14.98% | 13.88% | +18 bps | |
| Equity / Assets | 12.94% | 12.01% | 12.19% | 12.77% | 12.94% | 13.20% | 13.93% | 14.22% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.49% | 95.47% | 95.68% | 94.88% | 93.45% | 96.92% | 96.15% | 97.92% | +304 bps | |
| Liquid Assets / Assets | 1.71% | 2.70% | 2.01% | 2.63% | 3.35% | 1.33% | 2.07% | 1.38% | -125 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |