Dalton, GA · Cert 34116
FDIC · 6 branches
Q2 2022
Market Position · Dalton, GA · 2022 SOD (annual) · 11.8% share · #3 of 9 inst. · $0.4B of $3.5B
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 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.83% | 1.85% | 0.07% | 1.02% | 1.12% | -72 bps | |
| Return on Equity | 19.26% | 19.16% | 0.70% | 7.25% | 7.81% | -1,145 bps | |
| Net Interest Margin | 4.11% | 3.95% | 0.38% | 3.66% | 3.93% | -18 bps | |
| Efficiency Ratio | 52.67% | 51.76% | 56.75% | 46.61% | 46.65% | -602 bps | |
| Non-Interest Burden | 1.68% | 1.58% | 0.18% | 1.38% | 1.56% | -12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.47% | 9.59% | 31.94% | 24.65% | 15.47% | +699 bps | |
| Loan Growth (YoY) | -8.35% | -9.55% | -8.60% | -3.89% | 2.05% | +1,040 bps | |
| Deposit Growth (YoY) | 7.76% | 8.91% | 26.05% | 18.30% | 8.57% | +81 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.28% | 1.10% | 1.20% | 1.04% | 0.87% | -41 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.02% | 0.01% | +1 bps | |
| Allowance / Loans | 2.02% | 2.05% | 0.12% | 0.47% | 0.68% | -134 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.9x | 0.1x | 0.4x | 0.8x | -0.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.80% | 10.02% | 9.78% | 8.68% | 9.20% | -60 bps | |
| Total Risk-Based Capital | 9.80% | 10.02% | 9.78% | 8.68% | 9.20% | -60 bps | |
| Equity / Assets | 9.48% | 10.07% | 13.94% | 14.11% | 14.94% | +545 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.12% | 73.18% | 61.50% | 62.98% | 68.73% | -439 bps | |
| Liquid Assets / Assets | 9.71% | 9.80% | 36.85% | 34.12% | 26.23% | +1,652 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |