Colbert, GA · Cert 57898
FDIC · 3 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 31, 2019, 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.
Colbert, GA · Cert 57898
FDIC · 3 branches
Q1 2019
Market Position · Athens-Clarke County, GA · 2018 SOD (annual) · 3.8% share · #8 of 17 inst. · $0.2B of $5.1B
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.68% | 1.69% | 1.72% | 1.97% | 1.97% | 1.97% | 1.95% | 1.90% | -7 bps | |
| Return on Equity | 13.71% | 13.76% | 13.91% | 15.54% | 16.01% | 16.25% | 16.17% | 15.82% | +29 bps | |
| Net Interest Margin | 3.94% | 3.91% | 3.88% | 4.16% | 4.04% | 3.79% | 3.59% | 4.22% | +6 bps | |
| Efficiency Ratio | 44.91% | 44.67% | 44.68% | 44.59% | 43.88% | 43.62% | 44.63% | 46.89% | +230 bps | |
| Non-Interest Burden | 1.35% | 1.36% | 1.36% | 1.50% | 1.43% | 1.33% | 1.30% | 1.68% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.38% | 8.92% | 9.17% | 4.94% | 15.46% | 18.41% | 21.21% | 14.66% | +972 bps | |
| Loan Growth (YoY) | 7.22% | 8.65% | 8.89% | 14.37% | 17.18% | 22.26% | 21.31% | 10.62% | -376 bps | |
| Deposit Growth (YoY) | 9.89% | 9.45% | 8.79% | 8.00% | 11.15% | 14.51% | 18.56% | 14.76% | +676 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.04% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.21% | 0.16% | 0.13% | 0.02% | 0.03% | 0.02% | 0.02% | 0.00% | -2 bps | |
| Allowance / Loans | 4.72% | 4.60% | 3.83% | 3.54% | 3.35% | 3.14% | 3.13% | 3.18% | -36 bps | |
| Allowance Coverage of NPLs | 263.4x | 117.1x | n/a | 3186.0x | n/a | 1588.0x | n/a | 1056.2x | -2129.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.40% | 12.51% | 12.71% | 12.80% | 12.60% | 12.02% | 11.63% | 12.05% | -75 bps | |
| Total Risk-Based Capital | 17.03% | 17.15% | 17.55% | 16.19% | 16.60% | 17.19% | 17.64% | 17.72% | +153 bps | |
| Equity / Assets | 12.19% | 12.41% | 12.70% | 12.61% | 11.70% | 11.70% | 11.74% | 12.27% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.00% | 92.70% | 92.95% | 96.97% | 96.99% | 98.97% | 95.11% | 93.47% | -350 bps | |
| Liquid Assets / Assets | 6.10% | 6.06% | 5.95% | 6.04% | 11.36% | 10.93% | 10.60% | 5.57% | -47 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |