Elberton, GA · Cert 29065
FDIC · 1 branch
Q2 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.03% | -1.74% | -0.54% | -0.40% | 0.03% | -0.60% | -1.08% | -0.79% | -40 bps | |
| Return on Equity | -0.16% | -9.72% | -3.16% | -2.31% | 0.17% | -3.43% | -6.26% | -4.55% | -224 bps | |
| Net Interest Margin | 2.77% | 2.92% | 2.69% | 2.69% | 3.10% | 3.08% | 2.67% | 2.67% | -1 bps | |
| Efficiency Ratio | 95.96% | 160.00% | 119.69% | 112.43% | 99.52% | 118.93% | 141.67% | 129.71% | +1,728 bps | |
| Non-Interest Burden | 2.65% | 4.68% | 3.22% | 3.02% | 3.09% | 3.66% | 3.79% | 3.47% | +45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.61% | 4.94% | 2.05% | -6.79% | -6.27% | -1.49% | -7.59% | -2.73% | +407 bps | |
| Loan Growth (YoY) | 11.50% | 8.36% | 3.34% | 2.87% | 1.93% | 3.53% | 2.49% | -1.12% | -399 bps | |
| Deposit Growth (YoY) | 20.64% | 18.83% | 13.84% | 5.81% | -2.03% | -3.32% | -14.78% | -13.17% | -1,898 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.86% | 2.16% | 0.66% | 0.91% | 0.58% | 0.77% | 1.78% | 0.44% | -47 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.18% | 0.18% | 0.18% | 0.18% | 0.18% | 0.18% | 0.18% | 0.18% | 0 bps | |
| Allowance Coverage of NPLs | 0.1x | 0.1x | 0.3x | 0.2x | 0.3x | 0.2x | 0.1x | 0.4x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.93% | 17.58% | 17.07% | 17.67% | 18.06% | 18.02% | 17.81% | 17.95% | +28 bps | |
| Total Risk-Based Capital | 17.93% | 17.58% | 17.07% | 17.67% | 18.06% | 18.02% | 17.81% | 17.95% | +28 bps | |
| Equity / Assets | 18.19% | 17.60% | 16.83% | 17.58% | 18.10% | 17.07% | 17.52% | 17.41% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.65% | 105.57% | 101.62% | 105.44% | 110.96% | 113.04% | 122.23% | 120.07% | +1,463 bps | |
| Liquid Assets / Assets | 2.10% | 2.31% | 2.71% | 3.07% | 1.30% | 5.58% | 4.52% | 1.26% | -181 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |