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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 1.81% | 0.95% | 0.98% | 1.11% | 1.60% | 0.98% | 1.93% | +96 bps | |
| Return on Equity | 10.07% | 17.12% | 9.13% | 9.60% | 10.62% | 14.89% | 9.15% | 17.87% | +827 bps | |
| Net Interest Margin | 2.96% | 2.94% | 2.74% | 2.76% | 2.85% | 2.91% | 2.72% | 3.07% | +31 bps | |
| Efficiency Ratio | 68.12% | 66.19% | 69.16% | 68.08% | 65.95% | 61.59% | 75.75% | 60.42% | -767 bps | |
| Non-Interest Burden | 1.90% | 1.81% | 1.79% | 1.76% | 1.73% | 1.66% | 1.97% | 1.64% | -12 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 | 0.18% | -0.71% | -0.05% | -0.07% | 0.54% | -0.07% | -0.04% | -0.11% | -4 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 |