Atlanta, GA · Cert 35027
FDIC · 3 branches
Q3 2021
Market Position · Atlanta-Sandy Springs-Alpharetta, GA · 2021 SOD (annual) · 0.1% share · #50 of 81 inst. · $0.2B of $236.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.30% | -1.07% | -1.81% | -0.63% | -1.09% | 0.98% | 1.29% | 0.17%1 | +80 bps | |
| Return on Equity | -12.28% | -10.55% | -19.65% | -7.31% | -12.72% | 11.27% | 14.86% | 2.04% | +935 bps | |
| Net Interest Margin | 2.94% | 2.96% | 2.86% | 3.00% | 3.16% | 3.05% | 3.76% | 1.91% | -109 bps | |
| Efficiency Ratio | 125.30% | 123.30% | 140.95% | 120.40% | 130.39% | 74.33% | 78.97% | 110.84% | -956 bps | |
| Non-Interest Burden | 3.85% | 3.78% | 4.13% | 3.54% | 4.16% | 2.10% | 2.91% | 2.20% | -134 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.80% | -6.56% | 5.97% | 15.24% | 7.96% | 4.38% | -0.62% | 2.92% | -1,232 bps | |
| Loan Growth (YoY) | -13.30% | -12.30% | 19.90% | 19.40% | 15.27% | 11.57% | -14.02% | -17.32% | -3,672 bps | |
| Deposit Growth (YoY) | -10.28% | 0.86% | 17.04% | 19.71% | 13.51% | 15.08% | 4.92% | 12.10% | -761 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 6.83% | 6.40% | 5.16% | 5.14% | 5.17% | 3.95% | 3.75% | 3.99% | -115 bps | |
| Net Charge-Offs / Loans | 0.25% | -0.03% | 1.21% | -0.04% | 0.19% | 0.00% | -0.01% | -0.01% | +3 bps | |
| Allowance / Loans | 2.08% | 2.12% | 1.56% | 1.64% | 1.68% | 1.69% | 1.61% | 1.74% | +10 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.3x | 0.3x | 0.3x | 0.4x | 0.4x | 0.4x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.48% | 10.04% | 8.26% | 8.23% | 8.31% | 8.42% | 8.77% | 8.16% | -7 bps | |
| Total Risk-Based Capital | 18.34% | 16.81% | 15.67% | 16.36% | 15.79% | 16.72% | 17.98% | 18.48% | +212 bps | |
| Equity / Assets | 10.36% | 9.85% | 8.65% | 8.57% | 8.62% | 8.72% | 8.65% | 8.34% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.38% | 79.83% | 85.63% | 85.74% | 83.65% | 77.39% | 70.17% | 63.24% | -2,250 bps | |
| Liquid Assets / Assets | 14.62% | 13.36% | 7.04% | 10.18% | 9.89% | 10.76% | 19.45% | 33.20% | +2,302 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |