Nashville, GA · Cert 15934
FDIC · 4 branches
Q1 2020
Market Position · Valdosta, GA · 2019 SOD (annual) · 0.9% share · #17 of 19 inst. · $0.0B of $2.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.76% | 0.99% | 1.16% | 0.77% | 0.26% | -50 bps | |
| Return on Equity | 5.57% | 7.17% | 8.14% | 5.39% | 1.86% | -371 bps | |
| Net Interest Margin | 3.33% | 3.36% | 3.53% | 3.39% | 3.27% | -7 bps | |
| Efficiency Ratio | 78.18% | 71.77% | 69.66% | 78.07% | 92.55% | +1,437 bps | |
| Non-Interest Burden | 2.57% | 2.30% | 2.34% | 2.63% | 3.00% | +44 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.39% | 0.01% | -1.00% | 0.32% | 2.69% | +508 bps | |
| Loan Growth (YoY) | -1.71% | 0.44% | 3.60% | 1.61% | 0.51% | +222 bps | |
| Deposit Growth (YoY) | -3.26% | -0.53% | -1.73% | -0.16% | 2.01% | +528 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.34% | 1.14% | 1.29% | 1.91% | 1.68% | +34 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.17% | 0.17% | 0.01% | 0.39% | +34 bps | |
| Allowance / Loans | 1.57% | 1.55% | 1.49% | 1.51% | 1.42% | -15 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.4x | 1.2x | 0.8x | 0.8x | -0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.58% | 13.85% | 14.40% | 14.27% | 14.05% | +48 bps | |
| Total Risk-Based Capital | 24.02% | 24.72% | 24.69% | 24.97% | 25.11% | +108 bps | |
| Equity / Assets | 13.59% | 13.99% | 14.41% | 14.23% | 14.00% | +41 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.91% | 77.67% | 80.37% | 76.98% | 74.79% | -112 bps | |
| Liquid Assets / Assets | 25.32% | 24.44% | 21.86% | 25.39% | 26.13% | +81 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |