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 (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 | 0.83% | 0.75% | 0.89% | 0.96% | 0.76% | 0.80% | 0.76% | 0.66% | -30 bps | |
| Return on Equity | 7.55% | 6.95% | 8.37% | 8.97% | 7.27% | 7.56% | 7.22% | 6.29% | -268 bps | |
| Net Interest Margin | 3.35% | 3.17% | 3.17% | 3.21% | 3.12% | 3.15% | 3.08% | 2.90% | -31 bps | |
| Efficiency Ratio | 67.51% | 70.26% | 69.65% | 68.02% | 66.35% | 66.84% | 68.16% | 71.64% | +361 bps | |
| Non-Interest Burden | 2.19% | 2.17% | 2.16% | 2.13% | 2.01% | 2.04% | 2.06% | 2.05% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.07% | 5.47% | 7.84% | 10.32% | 17.61% | 7.58% | 12.34% | 14.24% | +391 bps | |
| Loan Growth (YoY) | 3.21% | 8.90% | 12.45% | 16.14% | 13.59% | 10.85% | 11.37% | 9.12% | -702 bps | |
| Deposit Growth (YoY) | -8.22% | -2.82% | -2.37% | 3.52% | 16.31% | 10.30% | 20.10% | 20.65% | +1,713 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 0.11% | 0.08% | 0.14% | 0.05% | 0.04% | 0.03% | 0.02% | -12 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | -0.01% | -0.02% | -0.01% | 0.06% | 0.04% | +5 bps | |
| Allowance / Loans | 1.29% | 1.25% | 1.23% | 1.19% | 1.17% | 1.17% | 1.10% | 1.08% | -11 bps | |
| Allowance Coverage of NPLs | 9.2x | 11.1x | 16.3x | 8.8x | 23.8x | 29.5x | 37.1x | 54.2x | +45.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.17% | 9.63% | 9.78% | 10.11% | 9.70% | 9.93% | 9.83% | 9.43% | -68 bps | |
| Total Risk-Based Capital | 11.69% | 11.56% | 11.93% | 12.10% | 11.62% | 11.82% | 11.72% | 11.75% | -35 bps | |
| Equity / Assets | 10.79% | 10.38% | 10.39% | 10.93% | 10.11% | 10.71% | 10.21% | 10.33% | -59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.34% | 109.84% | 110.32% | 113.97% | 105.81% | 110.39% | 102.30% | 103.08% | -1,090 bps | |
| Liquid Assets / Assets | 2.21% | 5.04% | 1.73% | 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 | n/a | n/a | n/a |