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Hamilton State Bank

Braselton, GA · Cert 57810

FDIC · 28 branches

Q1 2018

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2018, the quarter ended March 31, 2018, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Hamilton State Bank

Braselton, GA · Cert 57810

FDIC · 28 branches

Q1 2018

$1.8BAssets
$1.3BLoans
$1.6BDeposits
$187.3MEquity
Loan mix
75%RE $616.5M25%C&I $204.9M1%Consumer $5.8MQ1 2017Q1 2018
Deposit mix
76%Interest-bearing $1.2B24%Noninterest $0.4BQ1 2017Q1 2018

NIM

4.49%Q1 ’164.84%Q1 ’174.43%Q1 ’18+8%-10%

Non-interest income vs. expense

2.73%Q1 ’162.63%Q1 ’172.54%Q1 ’18+1%-23%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2017 SOD (annual) · 0.8% share · #15 of 88 inst. · $1.3B of $166.9B

19.8% Henry
17.9% Barrow
10.7% Douglas
4.4% Hall

Executive Summary

  • Earnings: ROA of 1.44%, up 35 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 0.65% of loans (-68 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.21%, up 97 bps from a year ago.
  • Funding: loans stand at 82.76% of deposits as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

1.44%+35 bps YoY

Net Interest Margin (YTD, annualized)

4.10%-46 bps YoY

Efficiency Ratio (YTD, annualized)

56.34%-343 bps YoY

Tier 1 Leverage Ratio

10.21%+97 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets1.10%1.18%1.21%0.93%1.44%+35 bps
Return on Equity9.86%10.80%10.99%8.46%13.49%+363 bps
Net Interest Margin4.56%4.59%4.51%4.39%4.10%-46 bps
Efficiency Ratio59.77%56.36%56.35%55.55%56.34%-343 bps
Non-Interest Burden2.89%2.69%2.58%2.44%2.21%-68 bps
Growth
Asset Growth (YoY)2.86%-0.13%-3.15%-3.54%-2.01%-487 bps
Loan Growth (YoY)5.81%4.43%3.93%1.63%4.97%-83 bps
Deposit Growth (YoY)2.47%2.61%1.38%0.82%0.63%-183 bps
Asset Quality
Nonperforming Loans / Loans1.34%1.11%0.75%0.62%0.65%-68 bps
Net Charge-Offs / Loans0.04%0.02%0.02%0.02%0.02%-2 bps
Allowance / Loans0.97%0.99%0.94%0.88%0.86%-10 bps
Allowance Coverage of NPLs0.7x0.9x1.3x1.4x1.3x+0.6x
Capital
Tier 1 Leverage Ratio9.24%9.98%10.44%10.45%10.21%+97 bps
Total Risk-Based Capital13.65%14.04%14.07%14.27%13.96%+31 bps
Equity / Assets9.97%10.66%11.00%10.89%10.52%+55 bps
Liquidity & Funding
Loans / Deposits79.34%80.08%83.95%83.36%82.76%+342 bps
Liquid Assets / Assets15.12%13.13%11.09%12.79%13.40%-172 bps
CRE / Total Capitaln/an/an/an/an/an/an/a