Athens, AL · Cert 34866
FDIC · 9 branches
Q1 2017
Market Position · Huntsville, AL · 2016 SOD (annual) · 2.4% share · #11 of 29 inst. · $0.2B of $7.5B
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.49% | 0.57% | 0.45% | 1.33% | +72 bps | |
| Return on Equity | 5.17% | 4.40% | 5.26% | 4.32% | 13.83% | +866 bps | |
| Net Interest Margin | 3.14% | 2.94% | 2.95% | 2.97% | 3.23% | +9 bps | |
| Efficiency Ratio | 80.91% | 83.21% | 81.87% | 84.12% | 75.39% | -552 bps | |
| Non-Interest Burden | 2.33% | 2.26% | 2.19% | 2.31% | 2.17% | -17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.83% | 30.12% | 27.25% | 29.54% | 16.20% | +837 bps | |
| Loan Growth (YoY) | 7.98% | 27.37% | 27.51% | 16.98% | 9.30% | +131 bps | |
| Deposit Growth (YoY) | 3.48% | 39.04% | 34.27% | 38.70% | 27.70% | +2,422 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.10% | 0.10% | 0.07% | -0.02% | +1 bps | |
| Allowance / Loans | 1.18% | 0.92% | 0.96% | 0.96% | 1.01% | -18 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.70% | 9.98% | 9.57% | 9.56% | 9.93% | -177 bps | |
| Total Risk-Based Capital | 15.37% | 13.30% | 13.46% | 13.36% | 14.04% | -133 bps | |
| Equity / Assets | 11.76% | 9.82% | 10.01% | 9.03% | 10.22% | -154 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.06% | 77.58% | 73.12% | 69.48% | 73.66% | -1,240 bps | |
| Liquid Assets / Assets | 3.60% | 3.13% | 6.20% | 7.31% | 4.35% | +75 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |