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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.31% | 1.84% | 2.13% | 2.55% | 3.03% | -129 bps | |
| Return on Equity | 42.74% | 18.65% | 21.43% | 24.86% | 29.19% | -1,355 bps | |
| Net Interest Margin | 4.98% | 4.18% | 4.58% | 4.99% | 5.39% | +40 bps | |
| Efficiency Ratio | 35.49% | 47.82% | 43.98% | 39.65% | 34.04% | -145 bps | |
| Non-Interest Burden | 0.85% | 1.86% | 1.76% | 1.78% | 1.48% | +63 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.57% | 6.49% | 7.28% | 5.82% | 3.36% | -221 bps | |
| Loan Growth (YoY) | 2.57% | 1.04% | 4.63% | 5.72% | 5.26% | +269 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.24% | 10.00% | 10.19% | 10.35% | 10.79% | +55 bps | |
| Total Risk-Based Capital | 14.32% | 14.56% | 14.21% | 14.07% | 14.37% | +5 bps | |
| Equity / Assets | 9.99% | 9.70% | 10.21% | 10.30% | 10.43% | +44 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.82% | 89.68% | 95.78% | 98.04% | 97.98% | +216 bps | |
| Liquid Assets / Assets | 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 |