Moultrie, GA · Cert 2147
FDIC · 8 branches
Q1 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2020, the quarter ended March 31, 2020, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Moultrie, GA · Cert 2147
FDIC · 8 branches
Q1 2020
Market Position · Valdosta, GA · 2019 SOD (annual) · 4.7% share · #10 of 19 inst. · $0.1B of $2.3B
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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 0.95% | 0.93% | 0.93% | 0.96% | 0.99% | 1.01% | -1.89% | -283 bps | |
| Return on Equity | 12.71% | 12.40% | 12.08% | 11.93% | 12.06% | 12.29% | 12.29% | -21.49% | -3,343 bps | |
| Net Interest Margin | 3.57% | 3.60% | 3.49% | 3.51% | 3.61% | 3.65% | 3.70% | 3.92% | +41 bps | |
| Efficiency Ratio | 72.42% | 72.09% | 71.75% | 72.59% | 71.52% | 70.13% | 70.53% | 148.13% | +7,554 bps | |
| Non-Interest Burden | 2.36% | 2.38% | 2.28% | 2.30% | 2.31% | 2.30% | 2.37% | 6.20% | +390 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.01% | 7.94% | 9.22% | 7.99% | 8.69% | 6.24% | 3.87% | -3.12% | -1,111 bps | |
| Loan Growth (YoY) | 7.15% | 11.14% | 13.95% | 12.45% | 12.06% | 7.44% | 5.60% | 4.71% | -775 bps | |
| Deposit Growth (YoY) | 6.07% | 10.62% | 14.45% | 16.55% | 12.46% | 9.19% | 4.03% | -3.32% | -1,987 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.50% | 0.58% | 0.32% | 0.24% | 0.46% | 0.49% | 0.06% | 0.08% | -16 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.21% | 0.12% | 0.19% | 0.17% | 0.23% | 0.17% | -0.11% | -30 bps | |
| Allowance / Loans | 0.92% | 0.84% | 0.91% | 0.89% | 0.90% | 0.89% | 0.91% | 0.98% | +9 bps | |
| Allowance Coverage of NPLs | 1.9x | 1.4x | 2.8x | 3.7x | 1.9x | 1.8x | 14.8x | 11.7x | +8.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.23% | 8.38% | 8.24% | 8.24% | 8.39% | 8.51% | 8.59% | 8.12% | -11 bps | |
| Total Risk-Based Capital | 12.75% | 12.26% | 12.34% | 12.58% | 12.56% | 12.69% | 13.07% | 12.59% | 0 bps | |
| Equity / Assets | 7.67% | 7.73% | 7.78% | 7.84% | 8.16% | 8.45% | 8.69% | 8.93% | +109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.76% | 85.61% | 82.42% | 76.77% | 82.46% | 84.24% | 83.66% | 83.14% | +637 bps | |
| Liquid Assets / Assets | 13.90% | 9.70% | 11.44% | 13.75% | 9.62% | 8.19% | 9.52% | 7.39% | -636 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |