Jonesboro, GA · Cert 30846
FDIC · 23 branches
Q4 2022
Market Position · Atlanta-Sandy Springs-Alpharetta, GA · 2022 SOD (annual) · 0.3% share · #23 of 83 inst. · $0.8B of $244.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.18% | 0.94% | 1.08% | 1.23% | 0.99% | 0.87% | 1.41% | -1.54% | -277 bps | |
| Return on Equity | 10.36% | 8.29% | 9.36% | 10.38% | 8.47% | 7.67% | 12.59% | -14.85% | -2,523 bps | |
| Net Interest Margin | 3.43% | 3.27% | 3.39% | 3.23% | 3.10% | 3.24% | 3.80% | 4.26% | +103 bps | |
| Efficiency Ratio | 65.16% | 69.26% | 65.57% | 63.56% | 68.19% | 71.69% | 59.55% | 136.59% | +7,304 bps | |
| Non-Interest Burden | 1.84% | 1.94% | 1.85% | 1.59% | 1.81% | 2.04% | 1.87% | 6.09% | +450 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.24% | 9.67% | 7.09% | 5.19% | 3.04% | 3.60% | 5.62% | -4.52% | -971 bps | |
| Loan Growth (YoY) | 16.48% | 0.41% | 1.44% | -1.19% | 0.04% | 5.00% | 6.94% | 12.86% | +1,405 bps | |
| Deposit Growth (YoY) | 26.73% | 11.12% | 6.80% | 4.47% | 2.11% | 3.18% | 5.77% | -2.32% | -679 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.13% | 0.20% | 0.16% | 0.18% | 0.19% | 0.18% | 0.22% | +5 bps | |
| Net Charge-Offs / Loans | -0.42% | 0.04% | 0.12% | -0.15% | -0.06% | 0.04% | 0.04% | 0.05% | +20 bps | |
| Allowance / Loans | 1.41% | 1.43% | 1.39% | 1.44% | 1.42% | 1.38% | 1.33% | 1.26% | -18 bps | |
| Allowance Coverage of NPLs | 7.1x | 11.1x | 6.9x | 8.8x | 8.1x | 7.4x | 7.5x | 5.8x | -2.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.10% | 9.01% | 9.40% | 9.81% | 9.89% | 9.89% | 10.22% | 7.68% | -212 bps | |
| Total Risk-Based Capital | 13.27% | 13.57% | 13.50% | 13.90% | 13.69% | 13.73% | 13.94% | 10.22% | -367 bps | |
| Equity / Assets | 11.22% | 11.42% | 11.76% | 11.87% | 11.41% | 11.25% | 11.16% | 9.50% | -237 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.24% | 73.46% | 75.45% | 73.92% | 73.71% | 74.75% | 76.29% | 85.41% | +1,149 bps | |
| Liquid Assets / Assets | 15.00% | 16.85% | 15.82% | 15.82% | 16.68% | 15.54% | 15.98% | 5.01% | -1,081 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |