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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.88% | 1.22% | 0.61% | 0.39% | 0.69% | 0.13% | 1.33% | +72 bps | |
| Return on Equity | 4.37% | 7.35% | 10.24% | 5.17% | 3.63% | 6.94% | 1.38% | 13.83% | +866 bps | |
| Net Interest Margin | 3.04% | 3.09% | 3.34% | 3.14% | 3.21% | 3.28% | 3.11% | 3.23% | +9 bps | |
| Efficiency Ratio | 80.30% | 73.86% | 66.16% | 80.91% | 85.09% | 79.79% | 90.75% | 75.39% | -552 bps | |
| Non-Interest Burden | 2.17% | 1.91% | 1.83% | 2.33% | 2.55% | 2.29% | 2.72% | 2.17% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.10% | 7.94% | 5.95% | 7.83% | 30.12% | 27.25% | 29.54% | 16.20% | +837 bps | |
| Loan Growth (YoY) | 8.74% | 2.34% | 5.09% | 7.98% | 27.37% | 27.51% | 16.98% | 9.30% | +131 bps | |
| Deposit Growth (YoY) | 11.41% | 9.17% | 6.46% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.20% | -0.04% | -0.02% | 0.22% | 0.10% | -0.02% | -0.02% | +1 bps | |
| Allowance / Loans | 1.39% | 1.43% | 1.21% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.88% | 12.07% | 11.83% | 11.70% | 9.98% | 9.57% | 9.56% | 9.93% | -177 bps | |
| Total Risk-Based Capital | 16.05% | 16.80% | 16.05% | 15.37% | 13.30% | 13.46% | 13.36% | 14.04% | -133 bps | |
| Equity / Assets | 11.97% | 11.93% | 11.92% | 11.76% | 9.82% | 10.01% | 9.03% | 10.22% | -154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.70% | 77.00% | 82.38% | 86.06% | 77.58% | 73.12% | 69.48% | 73.66% | -1,240 bps | |
| Liquid Assets / Assets | 0.22% | 3.45% | 0.62% | 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 | n/a | n/a | n/a |