Brunswick, GA · Cert 34677
FDIC · 3 branches
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 30, 2017, 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.
Brunswick, GA · Cert 34677
FDIC · 3 branches
Q2 2017
Market Position · Brunswick, GA · 2017 SOD (annual) · 7.5% share · #8 of 15 inst. · $0.1B of $2.0B
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 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 1.20% | 0.95% | 0.97% | 1.02% | 1.16% | 0.98% | 1.47% | +50 bps | |
| Return on Equity | 9.16% | 11.18% | 9.13% | 9.36% | 9.78% | 11.07% | 9.15% | 13.54% | +417 bps | |
| Net Interest Margin | 2.89% | 2.90% | 2.74% | 2.74% | 2.77% | 2.83% | 2.72% | 2.87% | +14 bps | |
| Efficiency Ratio | 70.34% | 69.27% | 69.16% | 68.62% | 67.70% | 66.15% | 75.75% | 67.46% | -116 bps | |
| Non-Interest Burden | 1.94% | 1.91% | 1.79% | 1.77% | 1.75% | 1.74% | 1.97% | 1.79% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.46% | 9.50% | 15.06% | 7.78% | 4.58% | 3.62% | 1.40% | 1.45% | -633 bps | |
| Loan Growth (YoY) | -7.78% | -4.23% | -1.72% | -1.11% | 0.25% | 4.37% | 2.86% | -6.20% | -509 bps | |
| Deposit Growth (YoY) | 13.67% | 10.27% | 16.68% | 8.84% | 5.64% | 4.61% | 1.78% | 1.48% | -736 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.65% | 0.37% | +37 bps | |
| Net Charge-Offs / Loans | 0.13% | -0.08% | -0.05% | -0.06% | 0.14% | 0.09% | -0.04% | -0.08% | -2 bps | |
| Allowance / Loans | 1.91% | 1.88% | 1.92% | 1.83% | 1.71% | 1.57% | 1.53% | 1.37% | -46 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 2.4x | 3.7x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.51% | 10.86% | 10.49% | 10.41% | 10.60% | 11.00% | 10.97% | 11.18% | +77 bps | |
| Total Risk-Based Capital | 20.56% | 21.75% | 22.14% | 21.55% | 21.84% | 22.08% | 22.55% | 23.84% | +228 bps | |
| Equity / Assets | 10.43% | 10.72% | 10.07% | 10.25% | 10.57% | 10.91% | 10.57% | 11.10% | +84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.96% | 71.19% | 64.94% | 69.68% | 70.19% | 71.02% | 65.63% | 64.40% | -527 bps | |
| Liquid Assets / Assets | 23.74% | 26.70% | 31.94% | 26.79% | 26.65% | 26.16% | 30.55% | 31.89% | +510 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |