Duluth, GA · Cert 35249
FDIC · 3 branches
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 31, 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.
Duluth, GA · Cert 35249
FDIC · 3 branches
Q4 2019
Market Position · Atlanta-Sandy Springs-Alpharetta, GA · 2019 SOD (annual) · 0.1% share · #42 of 85 inst. · $0.2B 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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | 0.33% | 0.48% | 0.50% | 0.77% | 0.69% | 0.72% | 0.70% | +20 bps | |
| Return on Equity | 8.73% | 12.47% | 18.15% | 18.20% | 21.10% | 17.11% | 16.84% | 15.87% | -233 bps | |
| Net Interest Margin | 2.87% | 3.10% | 3.44% | 3.53% | 3.60% | 3.61% | 3.66% | 3.66% | +13 bps | |
| Efficiency Ratio | 92.27% | 89.33% | 85.63% | 86.43% | 75.12% | 78.10% | 79.89% | 80.67% | -577 bps | |
| Non-Interest Burden | 2.65% | 2.77% | 2.94% | 3.04% | 2.56% | 2.72% | 2.84% | 2.87% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.19% | -16.46% | -14.42% | -14.01% | -13.00% | -10.23% | -7.02% | -6.27% | +774 bps | |
| Loan Growth (YoY) | -8.46% | -7.84% | -6.99% | -6.41% | -4.66% | -4.03% | 0.98% | -4.93% | +149 bps | |
| Deposit Growth (YoY) | -13.26% | -11.85% | -9.29% | -9.54% | -14.35% | -14.33% | -9.30% | -8.22% | +132 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 6.44% | 4.40% | 0.02% | 0.04% | 0.00% | 0.06% | 0.01% | 0.01% | -3 bps | |
| Net Charge-Offs / Loans | -0.15% | -0.18% | 0.38% | 0.27% | -0.03% | -0.38% | -0.26% | -0.22% | -49 bps | |
| Allowance / Loans | 1.37% | 1.44% | 1.14% | 1.17% | 1.15% | 1.35% | 1.35% | 1.46% | +29 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.3x | 53.4x | 33.0x | n/a | 22.2x | 104.6x | 182.3x | +149.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 3.28% | 3.56% | 3.85% | 4.15% | 4.52% | 4.69% | 4.97% | 5.21% | +106 bps | |
| Total Risk-Based Capital | 5.68% | 6.21% | 6.59% | 6.95% | 7.06% | 7.52% | 7.76% | 8.56% | +161 bps | |
| Equity / Assets | 2.54% | 2.65% | 2.78% | 3.30% | 4.06% | 4.75% | 5.00% | 5.17% | +188 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.83% | 63.36% | 62.48% | 62.41% | 68.82% | 70.98% | 69.56% | 64.65% | +224 bps | |
| Liquid Assets / Assets | 9.49% | 8.14% | 7.60% | 9.31% | 4.39% | 6.83% | 8.75% | 16.26% | +695 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |