Suwanee, GA · Cert 34110
FDIC · 3 branches
Q4 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2022, the quarter ended December 31, 2022, 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.
Suwanee, GA · Cert 34110
FDIC · 3 branches
Q4 2022
Market Position · Atlanta-Sandy Springs-Alpharetta, GA · 2022 SOD (annual) · 0.2% share · #30 of 83 inst. · $0.6B of $244.2B
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 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.14% | 2.99% | 3.08% | 3.39% | 1.84% | 2.00% | 2.18% | 2.40% | -99 bps | |
| Return on Equity | 31.53% | 29.82% | 30.57% | 33.65% | 18.65% | 20.07% | 21.70% | 23.66% | -1,000 bps | |
| Net Interest Margin | 4.66% | 4.64% | 4.66% | 4.70% | 4.18% | 4.36% | 4.58% | 4.87% | +17 bps | |
| Efficiency Ratio | 45.35% | 45.40% | 45.14% | 42.38% | 47.82% | 45.78% | 43.58% | 40.90% | -148 bps | |
| Non-Interest Burden | 1.87% | 1.86% | 1.71% | 1.48% | 1.86% | 1.81% | 1.80% | 1.75% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.34% | 1.12% | -4.39% | 5.57% | 6.49% | 7.28% | 5.82% | 3.36% | -221 bps | |
| Loan Growth (YoY) | 21.99% | 0.46% | -3.04% | 2.57% | 1.04% | 4.63% | 5.72% | 5.26% | +269 bps | |
| Deposit Growth (YoY) | 26.16% | 12.32% | 12.50% | 12.54% | 6.66% | 7.28% | 5.77% | 2.95% | -959 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.02% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.15% | 1.15% | 1.15% | 1.05% | 1.06% | 1.06% | 1.03% | 1.03% | -2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.19% | 10.02% | 10.26% | 10.24% | 10.00% | 10.19% | 10.35% | 10.79% | +55 bps | |
| Total Risk-Based Capital | 10.19% | 10.02% | 10.26% | 14.32% | 14.56% | 14.21% | 14.07% | 14.37% | +5 bps | |
| Equity / Assets | 9.81% | 10.18% | 10.19% | 9.99% | 9.70% | 10.21% | 10.30% | 10.43% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.67% | 98.20% | 98.09% | 95.82% | 89.68% | 95.78% | 98.04% | 97.98% | +216 bps | |
| Liquid Assets / Assets | 11.63% | 8.87% | 9.34% | 10.09% | 15.12% | 10.40% | 8.40% | 8.69% | -140 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |