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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.69% | 2.35% | 2.40% | 2.16% | 1.94% | +25 bps | |
| Return on Equity | 19.24% | 26.12% | 25.99% | 22.85% | 18.90% | -34 bps | |
| Net Interest Margin | 4.11% | 4.02% | 3.94% | 3.89% | 3.86% | -24 bps | |
| Efficiency Ratio | 59.72% | 60.61% | 59.38% | 61.19% | 53.29% | -643 bps | |
| Non-Interest Burden | 2.51% | 2.39% | 2.26% | 2.30% | 1.94% | -57 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.93% | 4.43% | 6.63% | 6.18% | 4.27% | +34 bps | |
| Loan Growth (YoY) | 5.59% | 1.86% | 7.91% | 6.14% | 7.42% | +182 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.06% | -0.01% | -0.01% | -0.02% | 0.00% | -6 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.87% | 9.53% | 9.95% | 10.13% | 10.20% | +133 bps | |
| Total Risk-Based Capital | 12.47% | 13.44% | 13.45% | 13.56% | 13.75% | +128 bps | |
| Equity / Assets | 8.85% | 9.45% | 9.96% | 10.24% | 10.26% | +141 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.03% | 84.41% | 89.45% | 91.75% | 90.77% | +374 bps | |
| Liquid Assets / Assets | 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 |