Atlanta, GA · Cert 57264
FDIC · 1 branch
Q4 2019
Market Position · Atlanta-Sandy Springs-Alpharetta, GA · 2019 SOD (annual) · 0.1% share · #40 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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.14% | 0.76% | 0.82% | 0.68% | 0.37% | -77 bps | |
| Return on Equity | 10.72% | 7.27% | 7.84% | 6.54% | 3.59% | -713 bps | |
| Net Interest Margin | 3.35% | 3.12% | 3.20% | 3.14% | 2.81% | -54 bps | |
| Efficiency Ratio | 63.54% | 66.35% | 67.33% | 70.81% | 83.51% | +1,996 bps | |
| Non-Interest Burden | 2.04% | 2.01% | 2.09% | 2.21% | 2.36% | +32 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.32% | 17.61% | 7.58% | 12.34% | 14.24% | +391 bps | |
| Loan Growth (YoY) | 16.14% | 13.59% | 10.85% | 11.37% | 9.12% | -702 bps | |
| Deposit Growth (YoY) | 3.52% | 16.31% | 10.30% | 20.10% | 20.65% | +1,713 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.14% | 0.05% | 0.04% | 0.03% | 0.02% | -12 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.02% | 0.00% | 0.20% | 0.01% | +1 bps | |
| Allowance / Loans | 1.19% | 1.17% | 1.17% | 1.10% | 1.08% | -11 bps | |
| Allowance Coverage of NPLs | 8.8x | 23.8x | 29.5x | 37.1x | 54.2x | +45.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.11% | 9.70% | 9.93% | 9.83% | 9.43% | -68 bps | |
| Total Risk-Based Capital | 12.10% | 11.62% | 11.82% | 11.72% | 11.75% | -35 bps | |
| Equity / Assets | 10.93% | 10.11% | 10.71% | 10.21% | 10.33% | -59 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 113.97% | 105.81% | 110.39% | 102.30% | 103.08% | -1,090 bps | |
| Liquid Assets / Assets | 1.88% | 3.24% | 3.26% | 5.97% | 7.67% | +579 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |