Braselton, GA · Cert 57810
FDIC · 28 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Braselton, GA · Cert 57810
FDIC · 28 branches
Q1 2018
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2017 SOD (annual) · 0.8% share · #15 of 88 inst. · $1.3B of $166.9B
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.14% | 1.07% | 1.05% | 1.10% | 1.18% | 1.21% | 0.93% | 1.44% | +35 bps | |
| Return on Equity | 9.51% | 8.83% | 8.66% | 9.86% | 10.80% | 10.99% | 8.46% | 13.49% | +363 bps | |
| Net Interest Margin | 4.18% | 4.18% | 4.02% | 4.56% | 4.59% | 4.51% | 4.39% | 4.10% | -46 bps | |
| Efficiency Ratio | 53.45% | 55.30% | 56.47% | 59.77% | 56.36% | 56.35% | 55.55% | 56.34% | -343 bps | |
| Non-Interest Burden | 2.27% | 2.36% | 2.32% | 2.89% | 2.69% | 2.58% | 2.44% | 2.21% | -68 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.37% | -0.14% | 3.87% | 2.86% | -0.13% | -3.15% | -3.54% | -2.01% | -487 bps | |
| Loan Growth (YoY) | 15.52% | 10.60% | 11.36% | 5.81% | 4.43% | 3.93% | 1.63% | 4.97% | -83 bps | |
| Deposit Growth (YoY) | 10.32% | 1.02% | 0.98% | 2.47% | 2.61% | 1.38% | 0.82% | 0.63% | -183 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 1.34% | 1.11% | 0.75% | 0.62% | 0.65% | -68 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.13% | 0.17% | 0.04% | 0.02% | 0.02% | 0.02% | 0.02% | -2 bps | |
| Allowance / Loans | 0.98% | 1.11% | 0.96% | 0.97% | 0.99% | 0.94% | 0.88% | 0.86% | -10 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 0.7x | 0.9x | 1.3x | 1.4x | 1.3x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.63% | 11.86% | 11.76% | 9.24% | 9.98% | 10.44% | 10.45% | 10.21% | +97 bps | |
| Total Risk-Based Capital | 17.37% | 16.82% | 16.64% | 13.65% | 14.04% | 14.07% | 14.27% | 13.96% | +31 bps | |
| Equity / Assets | 12.38% | 12.29% | 12.25% | 9.97% | 10.66% | 11.00% | 10.89% | 10.52% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.68% | 81.89% | 82.69% | 79.34% | 80.08% | 83.95% | 83.36% | 82.76% | +342 bps | |
| Liquid Assets / Assets | 12.22% | 12.36% | 13.04% | 15.12% | 13.13% | 11.09% | 12.79% | 13.40% | -172 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |