West Point, GA · Cert 30720
FDIC · 23 branches
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, 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.
West Point, GA · Cert 30720
FDIC · 23 branches
Q2 2018
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2018 SOD (annual) · 0.4% share · #24 of 89 inst. · $0.7B of $173.1B
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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 1.09% | 1.04% | 1.06% | 0.96% | 1.05% | 1.44% | 1.46% | +40 bps | |
| Return on Equity | 6.15% | 7.45% | 7.79% | 7.87% | 7.26% | 8.00% | 11.26% | 11.24% | +337 bps | |
| Net Interest Margin | 3.18% | 3.22% | 3.31% | 3.34% | 3.36% | 3.26% | 3.74% | 3.73% | +40 bps | |
| Efficiency Ratio | 72.40% | 67.94% | 61.67% | 61.71% | 66.00% | 63.12% | 59.40% | 58.45% | -326 bps | |
| Non-Interest Burden | 1.92% | 1.74% | 1.59% | 1.59% | 1.78% | 1.60% | 1.72% | 1.66% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 40.41% | 45.70% | 41.34% | 3.68% | 13.96% | 12.57% | 11.78% | 10.21% | +653 bps | |
| Loan Growth (YoY) | 38.69% | 44.99% | 43.12% | 3.62% | 15.43% | 15.90% | 14.34% | 11.54% | +792 bps | |
| Deposit Growth (YoY) | 51.09% | 56.89% | 50.86% | 3.30% | 15.38% | 13.23% | 12.34% | 10.30% | +700 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.22% | 0.18% | 0.15% | 0.17% | 0.12% | 0.14% | -4 bps | |
| Net Charge-Offs / Loans | -0.12% | -0.18% | -0.06% | -0.09% | -0.08% | -0.07% | -0.12% | -0.13% | -4 bps | |
| Allowance / Loans | 1.03% | 1.04% | 1.03% | 1.03% | 0.95% | 0.95% | 0.95% | 0.99% | -5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 4.8x | 5.9x | 6.5x | 5.8x | 7.8x | 7.1x | +1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.51% | 11.70% | 11.84% | 12.06% | 10.96% | 10.56% | 10.94% | 11.29% | -77 bps | |
| Total Risk-Based Capital | 15.26% | 15.91% | 16.53% | 16.67% | 14.45% | 14.61% | 14.98% | 15.70% | -97 bps | |
| Equity / Assets | 13.39% | 13.36% | 13.43% | 13.78% | 12.44% | 12.69% | 12.89% | 13.47% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.05% | 83.06% | 83.24% | 85.92% | 85.09% | 85.02% | 84.72% | 86.88% | +96 bps | |
| Liquid Assets / Assets | 6.38% | 8.81% | 8.89% | 6.94% | 8.18% | 8.45% | 9.74% | 9.49% | +254 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |