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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 0.91% | 0.87% | 0.93% | 0.98% | 1.05% | 1.06% | -1.89% | -283 bps | |
| Return on Equity | 12.43% | 11.83% | 11.26% | 11.93% | 12.19% | 12.69% | 12.32% | -21.49% | -3,343 bps | |
| Net Interest Margin | 3.61% | 3.74% | 3.60% | 3.51% | 3.71% | 3.79% | 4.00% | 3.92% | +41 bps | |
| Efficiency Ratio | 72.15% | 71.47% | 70.81% | 72.59% | 70.50% | 67.35% | 71.66% | 148.13% | +7,554 bps | |
| Non-Interest Burden | 2.38% | 2.46% | 2.26% | 2.30% | 2.33% | 2.31% | 2.65% | 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 | 0.14% | 0.40% | -0.14% | 0.19% | 0.16% | 0.34% | 0.01% | -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 |