Forsyth, GA · Cert 17089
FDIC · 5 branches
Q3 2022
Market Position · Warner Robins, GA · 2022 SOD (annual) · 4.9% share · #8 of 11 inst. · $0.1B of $2.7B
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 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.43% | 0.46% | 0.13% | 0.22% | 0.30% | -14 bps | |
| Return on Equity | 7.26% | 7.82% | 3.17% | 6.23% | 10.75% | +349 bps | |
| Net Interest Margin | 2.69% | 2.65% | 2.38% | 2.49% | 2.63% | -5 bps | |
| Efficiency Ratio | 86.68% | 86.43% | 94.09% | 90.76% | 87.77% | +109 bps | |
| Non-Interest Burden | 2.27% | 2.23% | 2.21% | 2.22% | 2.25% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.19% | 11.16% | 6.53% | 5.75% | -2.19% | -1,237 bps | |
| Loan Growth (YoY) | -18.50% | -13.32% | -8.10% | -0.56% | -1.64% | +1,686 bps | |
| Deposit Growth (YoY) | 11.21% | 12.59% | 9.58% | 10.27% | 3.07% | -814 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.73% | 0.05% | 0.07% | 0.00% | 0.01% | -72 bps | |
| Net Charge-Offs / Loans | 0.02% | -0.08% | -0.05% | 0.10% | 0.08% | +6 bps | |
| Allowance / Loans | 1.20% | 1.32% | 1.35% | 1.23% | 1.25% | +6 bps | |
| Allowance Coverage of NPLs | 1.6x | 25.4x | 19.3x | n/a | 95.9x | +94.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 5.98% | 5.99% | 5.90% | 6.02% | 6.25% | +27 bps | |
| Total Risk-Based Capital | 13.12% | 13.22% | 13.13% | 13.06% | 13.88% | +76 bps | |
| Equity / Assets | 5.71% | 5.27% | 3.10% | 2.01% | 0.64% | -507 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 47.57% | 44.81% | 43.41% | 44.91% | 45.40% | -217 bps | |
| Liquid Assets / Assets | 7.14% | 9.61% | 7.66% | 9.27% | 9.71% | +257 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |