Tallassee, AL · Cert 17892
FDIC · 5 branches
Q2 2019
Market Position · Montgomery, AL · 2019 SOD (annual) · 1.7% share · #11 of 25 inst. · $0.1B of $8.5B
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 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.81% | 1.19% | 1.11% | 1.12% | 1.09% | 1.09% | 1.04% | -7 bps | |
| Return on Equity | 9.46% | 8.12% | 12.20% | 11.29% | 11.49% | 11.11% | 10.79% | 10.14% | -115 bps | |
| Net Interest Margin | 3.54% | 3.49% | 3.69% | 3.71% | 3.66% | 3.65% | 3.51% | 3.49% | -22 bps | |
| Efficiency Ratio | 56.36% | 57.62% | 52.62% | 54.69% | 53.82% | 54.93% | 48.20% | 50.56% | -413 bps | |
| Non-Interest Burden | 1.81% | 1.86% | 1.80% | 1.86% | 1.78% | 1.82% | 1.47% | 1.56% | -30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.76% | 9.57% | 8.51% | 8.60% | 11.71% | 7.09% | 7.20% | 3.47% | -513 bps | |
| Loan Growth (YoY) | 16.12% | 17.84% | 22.21% | 18.10% | 10.97% | 7.53% | 0.12% | -5.85% | -2,395 bps | |
| Deposit Growth (YoY) | 2.89% | 6.99% | 6.16% | 7.66% | 15.66% | 9.53% | 9.51% | 3.91% | -374 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.37% | 0.45% | 0.34% | 0.59% | 0.69% | 0.38% | 0.49% | 0.78% | +19 bps | |
| Net Charge-Offs / Loans | 0.29% | 0.20% | 0.24% | 0.34% | 0.52% | 0.43% | 1.22% | 1.13% | +79 bps | |
| Allowance / Loans | 1.26% | 1.23% | 1.22% | 1.24% | 1.16% | 1.27% | 1.20% | 1.23% | -1 bps | |
| Allowance Coverage of NPLs | 3.4x | 2.8x | 3.6x | 2.1x | 1.7x | 3.3x | 2.4x | 1.6x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.44% | 10.12% | 10.02% | 10.23% | 10.37% | 10.49% | 10.40% | 10.53% | +31 bps | |
| Total Risk-Based Capital | 12.99% | 12.40% | 12.02% | 12.13% | 12.46% | 12.95% | 13.23% | 13.62% | +149 bps | |
| Equity / Assets | 10.25% | 9.89% | 9.69% | 9.84% | 9.62% | 10.10% | 10.04% | 10.64% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.57% | 87.02% | 88.64% | 89.37% | 84.02% | 85.43% | 81.04% | 80.98% | -840 bps | |
| Liquid Assets / Assets | 4.40% | 7.33% | 6.05% | 5.19% | 9.30% | 8.28% | 10.81% | 10.22% | +503 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |