Pelham, GA · Cert 15441
FDIC · 2 branches
Q4 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | 1.41% | 1.47% | -2.46% | 0.11% | -73 bps | |
| Return on Equity | 5.57% | 9.86% | 10.15% | -20.55% | 1.28% | -428 bps | |
| Net Interest Margin | 3.18% | 2.99% | 2.96% | -4.95% | 3.18% | 0 bps | |
| Efficiency Ratio | 80.19% | 63.03% | 67.24% | 63.50% | 93.09% | +1,290 bps | |
| Non-Interest Burden | 2.39% | 1.59% | 1.79% | -2.86% | 2.90% | +51 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.50% | 3.08% | 2.95% | -2.09% | -2.68% | -417 bps | |
| Loan Growth (YoY) | 14.10% | 8.42% | -1.51% | -6.60% | -7.92% | -2,201 bps | |
| Deposit Growth (YoY) | 1.83% | 3.92% | 3.45% | 6.96% | 4.79% | +296 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.05% | 0.15% | 0.06% | 0.17% | +17 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.02% | 0.03% | -0.02% | 0.05% | +5 bps | |
| Allowance / Loans | 1.56% | 1.68% | 1.61% | 0.03% | 0.11% | -145 bps | |
| Allowance Coverage of NPLs | n/a | 36.4x | 10.8x | 0.5x | 0.7x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.81% | 14.57% | 14.83% | 8.54% | 8.98% | -583 bps | |
| Total Risk-Based Capital | 27.72% | 28.20% | 28.74% | 16.27% | 17.41% | -1,031 bps | |
| Equity / Assets | 14.43% | 14.08% | 14.96% | 8.81% | 8.45% | -597 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 40.95% | 35.53% | 37.87% | 38.62% | 35.99% | -497 bps | |
| Liquid Assets / Assets | 7.45% | 6.95% | 8.32% | 11.21% | 9.93% | +248 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |