Donalsonville, GA · Cert 35319
FDIC · 2 branches
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 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.
Donalsonville, GA · Cert 35319
FDIC · 2 branches
Q3 2019
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 1.24% | 1.05% | 1.25% | 1.18% | 1.30% | 0.88% | 0.98% | -28 bps | |
| Return on Equity | 5.28% | 7.50% | 6.20% | 7.25% | 7.02% | 8.10% | 5.32% | 5.80% | -144 bps | |
| Net Interest Margin | 3.78% | 3.82% | 3.75% | 4.04% | 3.71% | 3.62% | 3.41% | 3.67% | -37 bps | |
| Efficiency Ratio | 68.81% | 67.72% | 71.11% | 68.04% | 68.98% | 65.04% | 73.16% | 72.09% | +405 bps | |
| Non-Interest Burden | 2.40% | 2.39% | 2.48% | 2.54% | 2.38% | 2.19% | 2.34% | 2.49% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.56% | -5.53% | -3.67% | -1.20% | 5.30% | 7.66% | 8.16% | 8.47% | +967 bps | |
| Loan Growth (YoY) | -0.34% | 0.96% | 1.49% | 1.67% | 6.65% | 1.67% | -1.11% | -7.82% | -949 bps | |
| Deposit Growth (YoY) | 0.55% | -6.75% | -3.75% | -1.83% | 5.78% | 7.75% | 7.66% | 9.10% | +1,093 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.77% | 2.26% | 5.05% | 2.77% | 2.92% | 2.28% | 13.54% | 6.30% | +352 bps | |
| Net Charge-Offs / Loans | 0.21% | -0.02% | -0.01% | 0.01% | 0.04% | 0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.90% | 1.80% | 1.72% | 1.73% | 2.00% | 1.98% | 1.94% | 2.09% | +36 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.8x | 0.3x | 0.6x | 0.7x | 0.9x | 0.1x | 0.3x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.40% | 16.09% | 16.81% | 17.62% | 16.25% | 15.22% | 15.97% | 16.61% | -100 bps | |
| Total Risk-Based Capital | 27.28% | 27.57% | 26.11% | 26.83% | 27.80% | 27.55% | 25.95% | 28.07% | +124 bps | |
| Equity / Assets | 15.71% | 17.45% | 17.84% | 18.34% | 15.23% | 16.97% | 17.39% | 17.88% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.79% | 65.57% | 73.98% | 78.02% | 53.23% | 61.88% | 67.95% | 65.92% | -1,210 bps | |
| Liquid Assets / Assets | 19.91% | 14.95% | 8.36% | 4.28% | 23.32% | 15.43% | 10.48% | 11.61% | +732 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |