Hinesville, GA · Cert 193
FDIC · 16 branches
Q2 2019
Market Position · Hinesville, GA · 2019 SOD (annual) · 44.4% share · #1 of 6 inst. · $228.1M of $514.2M
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 | -0.98% | -0.97% | 0.91% | 0.95% | 1.01% | 2.51% | 0.69% | 0.86% | -9 bps | |
| Return on Equity | -11.85% | -11.96% | 12.13% | 12.45% | 13.01% | 31.18% | 7.24% | 8.87% | -358 bps | |
| Net Interest Margin | 3.05% | 3.17% | 3.38% | 3.57% | 3.69% | 3.71% | 3.84% | 3.82% | +25 bps | |
| Efficiency Ratio | 83.65% | 83.01% | 79.25% | 77.50% | 76.92% | 76.62% | 72.86% | 73.86% | -364 bps | |
| Non-Interest Burden | 2.31% | 2.36% | 2.32% | 2.37% | 2.43% | 2.43% | 2.24% | 2.27% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.23% | 0.85% | -5.36% | -7.03% | -1.10% | 8.06% | 4.05% | 9.53% | +1,656 bps | |
| Loan Growth (YoY) | 13.41% | 16.61% | 18.21% | 22.45% | 20.16% | 21.86% | 20.40% | 14.73% | -772 bps | |
| Deposit Growth (YoY) | 2.27% | 1.73% | -4.78% | -6.60% | -1.61% | 6.09% | 1.28% | 6.76% | +1,336 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.52% | 2.20% | 1.82% | 1.66% | 0.94% | 1.61% | 1.70% | 0.92% | -74 bps | |
| Net Charge-Offs / Loans | 3.15% | 2.36% | 0.16% | 0.14% | 0.20% | 0.21% | 0.76% | 0.42% | +28 bps | |
| Allowance / Loans | 1.60% | 1.57% | 1.54% | 1.50% | 1.46% | 1.44% | 1.47% | 1.40% | -10 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.7x | 0.8x | 0.9x | 1.6x | 0.9x | 0.9x | 1.5x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.09% | 8.08% | 8.12% | 8.51% | 8.88% | 8.87% | 8.74% | 9.00% | +49 bps | |
| Total Risk-Based Capital | 13.85% | 13.41% | 13.35% | 12.55% | 12.70% | 12.48% | 12.48% | 12.49% | -6 bps | |
| Equity / Assets | 8.01% | 7.52% | 7.51% | 7.88% | 8.13% | 9.13% | 9.86% | 10.09% | +222 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.99% | 58.54% | 60.66% | 68.40% | 70.82% | 67.24% | 72.12% | 73.51% | +510 bps | |
| Liquid Assets / Assets | 10.10% | 11.16% | 10.98% | 4.07% | 3.01% | 8.47% | 4.08% | 5.09% | +102 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |