Smyrna, GA · Cert 35036
FDIC · 4 branches
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Smyrna, GA · Cert 35036
FDIC · 4 branches
Q1 2016
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2015 SOD (annual) · 0.2% share · #29 of 97 inst. · $0.3B of $146.1B
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.41% | 1.40% | 1.45% | 1.69% | 2.35% | 2.40% | 2.16% | 1.94% | +25 bps | |
| Return on Equity | 18.56% | 18.02% | 18.14% | 19.24% | 26.12% | 25.99% | 22.85% | 18.90% | -34 bps | |
| Net Interest Margin | 3.97% | 3.98% | 4.00% | 4.11% | 4.02% | 3.94% | 3.89% | 3.86% | -24 bps | |
| Efficiency Ratio | 61.71% | 62.77% | 64.79% | 59.72% | 60.61% | 59.38% | 61.19% | 53.29% | -643 bps | |
| Non-Interest Burden | 2.52% | 2.54% | 2.70% | 2.51% | 2.39% | 2.26% | 2.30% | 1.94% | -57 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.19% | -1.50% | -0.65% | 3.93% | 4.43% | 6.63% | 6.18% | 4.27% | +34 bps | |
| Loan Growth (YoY) | 0.39% | 2.56% | 4.93% | 5.59% | 1.86% | 7.91% | 6.14% | 7.42% | +182 bps | |
| Deposit Growth (YoY) | -5.77% | -3.97% | -5.15% | 0.67% | 2.90% | 5.93% | 7.40% | 2.99% | +231 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 | 1.19% | 0.79% | 0.74% | 0.06% | -0.01% | -0.01% | -0.02% | 0.00% | -6 bps | |
| Allowance / Loans | 2.91% | 2.87% | 2.37% | 2.37% | 2.00% | 1.66% | 1.63% | 1.64% | -74 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 | n/a | n/a | n/a | 8.87% | 9.53% | 9.95% | 10.13% | 10.20% | +133 bps | |
| Total Risk-Based Capital | 11.53% | 11.90% | 11.85% | 12.47% | 13.44% | 13.45% | 13.56% | 13.75% | +128 bps | |
| Equity / Assets | 8.06% | 8.42% | 8.72% | 8.85% | 9.45% | 9.96% | 10.24% | 10.26% | +141 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.28% | 87.80% | 92.83% | 87.03% | 84.41% | 89.45% | 91.75% | 90.77% | +374 bps | |
| Liquid Assets / Assets | 9.51% | 8.63% | 7.12% | 7.03% | 8.59% | 8.17% | 7.67% | 6.79% | -24 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |