Mantee, MS · Cert 8871
FDIC · 3 branches
Q1 2022
Market Position · Jackson, MS · 2021 SOD (annual) · 0.1% share · #25 of 31 inst. · $0.0B of $18.4B
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 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.35% | 0.34% | 1.43% | 0.50% | 0.22% | 0.06% | -0.64% | -207 bps | |
| Return on Equity | 5.20% | 3.79% | 3.65% | 15.76% | 5.53% | 2.40% | 0.71% | -7.59% | -2,335 bps | |
| Net Interest Margin | 3.39% | 3.43% | 3.36% | 4.87% | 3.96% | 3.60% | 3.20% | 2.71% | -215 bps | |
| Efficiency Ratio | 101.91% | 100.32% | 97.98% | 69.15% | 87.93% | 94.27% | 97.91% | 121.84% | +5,270 bps | |
| Non-Interest Burden | 3.44% | 3.42% | 3.27% | 3.26% | 3.44% | 3.37% | 3.12% | 3.36% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.98% | 12.45% | 10.15% | 14.57% | 2.03% | 3.06% | 4.17% | 3.56% | -1,101 bps | |
| Loan Growth (YoY) | -2.06% | -1.25% | 0.24% | 12.88% | 8.83% | 2.82% | 2.22% | -9.43% | -2,230 bps | |
| Deposit Growth (YoY) | 22.52% | 12.90% | 10.62% | 15.56% | 1.74% | 3.46% | 4.72% | 4.37% | -1,118 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.05% | 1.02% | 1.20% | 1.07% | 1.00% | 1.00% | 0.81% | 0.72% | -35 bps | |
| Net Charge-Offs / Loans | -0.06% | -0.04% | -0.06% | -0.11% | -0.09% | -0.09% | -0.09% | -0.10% | 0 bps | |
| Allowance / Loans | 1.18% | 1.20% | 1.24% | 1.14% | 1.15% | 1.26% | 1.31% | 1.36% | +21 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.2x | 1.0x | 1.1x | 1.1x | 1.3x | 1.6x | 1.9x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.73% | 8.82% | 8.87% | 9.63% | 8.55% | 8.47% | 9.30% | 8.13% | -150 bps | |
| Total Risk-Based Capital | 15.04% | 15.42% | 15.99% | 17.88% | 18.33% | 18.98% | 19.44% | 18.90% | +102 bps | |
| Equity / Assets | 8.92% | 9.17% | 9.02% | 9.17% | 9.02% | 9.04% | 8.63% | 8.17% | -100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.97% | 65.70% | 63.25% | 68.53% | 69.49% | 65.29% | 61.74% | 59.47% | -906 bps | |
| Liquid Assets / Assets | 24.61% | 24.98% | 28.55% | 24.46% | 27.14% | 30.72% | 34.18% | 34.71% | +1,025 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |