Wedowee, AL · Cert 35112
FDIC · 6 branches
Q2 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2019, the quarter ended June 30, 2019, 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.
Wedowee, AL · Cert 35112
FDIC · 6 branches
Q2 2019
Market Position · Atlanta-Sandy Springs-Alpharetta, GA · 2019 SOD (annual) · 0.0% share · #72 of 85 inst. · $0.0B of $177.3B
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.27% | 1.68% | 1.23% | 1.21% | 1.24% | 1.14% | 0.99% | 0.94% | -26 bps | |
| Return on Equity | 7.35% | 9.59% | 7.07% | 6.97% | 7.24% | 6.72% | 6.22% | 5.84% | -113 bps | |
| Net Interest Margin | 3.73% | 3.74% | 3.68% | 3.62% | 3.70% | 3.60% | 3.67% | 3.69% | +7 bps | |
| Efficiency Ratio | 62.56% | 61.48% | 62.25% | 63.56% | 62.87% | 66.54% | 69.29% | 71.27% | +771 bps | |
| Non-Interest Burden | 2.11% | 2.04% | 2.08% | 2.11% | 2.14% | 2.23% | 2.39% | 2.48% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.04% | 0.24% | 3.40% | 3.14% | 5.47% | 10.71% | 9.61% | 9.56% | +642 bps | |
| Loan Growth (YoY) | 0.91% | 8.58% | 5.07% | 6.84% | 12.77% | 8.47% | 9.59% | 14.71% | +786 bps | |
| Deposit Growth (YoY) | 0.99% | -0.84% | 3.65% | 3.57% | 6.73% | 13.45% | 10.74% | 10.27% | +670 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.87% | 1.65% | 1.64% | 2.14% | 1.56% | 0.70% | 0.66% | 0.74% | -140 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.05% | 0.02% | 0.03% | 0.02% | 0.21% | 0.27% | 0.13% | +10 bps | |
| Allowance / Loans | 1.81% | 1.76% | 1.77% | 1.73% | 1.60% | 1.41% | 1.34% | 1.26% | -47 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.1x | 1.1x | 0.8x | 1.0x | 2.0x | 2.0x | 1.7x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.79% | 17.48% | 16.83% | 16.72% | 16.94% | 15.94% | 15.47% | 15.30% | -142 bps | |
| Total Risk-Based Capital | 27.72% | 28.26% | 27.87% | 27.93% | 26.91% | 26.19% | 26.02% | 25.17% | -276 bps | |
| Equity / Assets | 17.61% | 18.09% | 16.81% | 17.06% | 16.73% | 16.04% | 15.96% | 16.40% | -65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.74% | 60.32% | 57.14% | 58.08% | 61.01% | 57.67% | 56.55% | 60.42% | +234 bps | |
| Liquid Assets / Assets | 4.84% | 4.04% | 9.44% | 5.50% | 6.28% | 7.39% | 7.71% | 3.38% | -212 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |