Pinehurst, GA · Cert 57870
FDIC · 33 branches
Q4 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2018, the quarter ended December 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.
Pinehurst, GA · Cert 57870
FDIC · 33 branches
Q4 2018
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2018 SOD (annual) · 1.1% share · #13 of 89 inst. · $1.9B of $173.1B
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 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.30% | 1.26% | 1.06% | 1.45% | 1.56% | 1.58% | 1.65% | +59 bps | |
| Return on Equity | 8.52% | 9.85% | 10.02% | 8.55% | 12.53% | 13.42% | 13.45% | 13.78% | +523 bps | |
| Net Interest Margin | 4.33% | 4.44% | 4.42% | 3.98% | 4.61% | 4.59% | 4.63% | 4.66% | +68 bps | |
| Efficiency Ratio | 63.50% | 58.98% | 58.19% | 57.76% | 58.52% | 56.96% | 59.12% | 56.57% | -119 bps | |
| Non-Interest Burden | 2.38% | 2.20% | 2.15% | 1.95% | 2.32% | 2.23% | 2.38% | 2.27% | +32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.82% | 18.13% | 42.65% | 17.60% | 16.68% | 18.62% | -4.09% | -1.89% | -1,949 bps | |
| Loan Growth (YoY) | 25.60% | 21.25% | 50.22% | 24.48% | 26.15% | 24.93% | 1.31% | -1.38% | -2,585 bps | |
| Deposit Growth (YoY) | 16.67% | 19.56% | 43.16% | 22.45% | 23.39% | 24.31% | -1.16% | -3.51% | -2,595 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.73% | 0.58% | 0.69% | 0.58% | 0.65% | 1.04% | 1.08% | 1.80% | +122 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.10% | 0.11% | 0.11% | 0.07% | 0.06% | 0.06% | 0.15% | +3 bps | |
| Allowance / Loans | 0.93% | 0.96% | 0.74% | 0.81% | 0.85% | 0.91% | 0.95% | 0.90% | +9 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.6x | 1.1x | 1.4x | 1.3x | 0.9x | 0.9x | 0.5x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.67% | 11.40% | 11.60% | 9.90% | 9.96% | 10.21% | 10.54% | 11.06% | +116 bps | |
| Total Risk-Based Capital | 13.94% | 13.70% | 11.31% | 11.77% | 11.31% | 11.88% | 12.22% | 13.26% | +149 bps | |
| Equity / Assets | 13.44% | 13.15% | 11.11% | 11.62% | 11.54% | 11.63% | 12.17% | 12.95% | +133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.29% | 83.38% | 84.16% | 83.02% | 86.17% | 83.80% | 86.27% | 84.85% | +183 bps | |
| Liquid Assets / Assets | 2.13% | 3.51% | 5.32% | 4.18% | 1.05% | 3.18% | 3.41% | 7.24% | +306 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |