Donalsonville, GA · Cert 35319
FDIC · 2 branches
Q3 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.59% | 1.24% | 0.86% | 1.69% | 1.06% | 1.30% | 0.44% | 1.19% | -50 bps | |
| Return on Equity | 9.48% | 7.50% | 4.90% | 9.37% | 6.40% | 8.10% | 2.54% | 6.76% | -261 bps | |
| Net Interest Margin | 4.05% | 3.82% | 3.48% | 4.39% | 3.81% | 3.62% | 2.95% | 3.99% | -40 bps | |
| Efficiency Ratio | 64.34% | 67.72% | 74.97% | 62.54% | 71.75% | 65.04% | 83.42% | 70.19% | +765 bps | |
| Non-Interest Burden | 2.38% | 2.39% | 2.44% | 2.51% | 2.58% | 2.19% | 2.36% | 2.62% | +11 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 | 0.28% | -0.02% | -0.01% | 0.05% | 0.12% | 0.01% | -0.01% | 0.00% | -5 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 |