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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.43% | 0.82% | 0.59% | 0.77% | 0.60% | 0.78% | 0.67% | +8 bps | |
| Return on Equity | 8.73% | 16.67% | 30.12% | 19.29% | 21.10% | 13.71% | 16.08% | 13.15% | -614 bps | |
| Net Interest Margin | 2.87% | 3.19% | 3.95% | 3.41% | 3.60% | 3.61% | 3.61% | 3.52% | +11 bps | |
| Efficiency Ratio | 92.27% | 86.49% | 79.57% | 88.89% | 75.12% | 81.23% | 83.85% | 83.04% | -585 bps | |
| Non-Interest Burden | 2.65% | 2.76% | 3.14% | 3.01% | 2.56% | 2.86% | 3.00% | 2.84% | -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% | -0.20% | 1.50% | -0.08% | -0.03% | -0.73% | -0.02% | -0.05% | +3 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 |