Cleveland, GA · Cert 57711
FDIC · 3 branches
Q2 2017
Market Position · Gainesville, GA · 2017 SOD (annual) · 0.4% share · #17 of 18 inst. · $0.0B of $3.5B
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.93% | 0.89% | 0.83% | 0.79% | 0.73% | 0.65% | 0.65% | -18 bps | |
| Return on Equity | 8.50% | 9.28% | 9.02% | 8.34% | 7.94% | 7.50% | 7.17% | 7.09% | -124 bps | |
| Net Interest Margin | 3.50% | 3.57% | 3.93% | 3.75% | 3.55% | 3.32% | 3.37% | 3.31% | -43 bps | |
| Efficiency Ratio | 70.98% | 68.39% | 68.20% | 70.38% | 71.20% | 72.75% | 73.58% | 73.79% | +341 bps | |
| Non-Interest Burden | 2.38% | 2.33% | 2.56% | 2.48% | 2.37% | 2.29% | 2.37% | 2.34% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.59% | 10.27% | 5.86% | 7.22% | 7.41% | 12.23% | 8.58% | 11.33% | +410 bps | |
| Loan Growth (YoY) | -3.83% | -4.98% | 2.17% | 11.94% | 20.17% | 19.85% | 14.82% | 8.72% | -322 bps | |
| Deposit Growth (YoY) | 6.88% | 15.11% | 6.12% | 6.91% | 9.14% | 15.85% | 10.84% | 13.05% | +614 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | +1 bps | |
| Net Charge-Offs / Loans | -0.43% | -0.15% | 0.00% | -0.02% | -0.06% | -0.09% | -0.03% | -0.02% | 0 bps | |
| Allowance / Loans | 1.97% | 1.79% | 1.67% | 1.57% | 1.55% | 1.60% | 1.56% | 1.53% | -4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 171.1x | 214.3x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.28% | 10.05% | 9.90% | 10.23% | 10.04% | 9.67% | 10.01% | 9.85% | -38 bps | |
| Total Risk-Based Capital | 17.56% | 17.85% | 17.23% | 16.25% | 16.04% | 16.00% | 15.94% | 15.74% | -51 bps | |
| Equity / Assets | 10.02% | 9.75% | 10.10% | 10.16% | 9.95% | 8.61% | 9.56% | 9.50% | -65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.41% | 57.38% | 63.84% | 68.23% | 67.62% | 59.36% | 66.13% | 65.61% | -261 bps | |
| Liquid Assets / Assets | 10.57% | 10.97% | 11.52% | 10.90% | 10.42% | 9.57% | 8.69% | 8.05% | -285 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |