Adairsville, GA · Cert 57994
FDIC · 3 branches
Q2 2019
Market Position · Atlanta-Sandy Springs-Alpharetta, GA · 2019 SOD (annual) · 0.0% share · #62 of 85 inst. · $0.1B of $177.3B
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 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.44% | -1.19% | -0.25% | -0.34% | -0.31% | -0.23% | -0.08% | 0.01% | +35 bps | |
| Return on Equity | -25.85% | -20.44% | -3.84% | -5.25% | -4.42% | -3.15% | -0.88% | 0.09% | +534 bps | |
| Net Interest Margin | 2.93% | 3.15% | 3.85% | 3.86% | 3.92% | 3.80% | 4.00% | 3.82% | -4 bps | |
| Efficiency Ratio | 146.36% | 141.20% | 97.50% | 101.93% | 102.32% | 100.35% | 96.10% | 96.63% | -530 bps | |
| Non-Interest Burden | 4.38% | 4.49% | 3.94% | 4.11% | 4.15% | 3.93% | 3.97% | 3.75% | -36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.47% | -10.23% | -1.79% | -7.81% | -0.61% | 1.51% | 7.64% | 9.61% | +1,743 bps | |
| Loan Growth (YoY) | 14.16% | 24.48% | 37.51% | 34.15% | 28.51% | 17.26% | 2.74% | -0.89% | -3,504 bps | |
| Deposit Growth (YoY) | 1.87% | -13.02% | -3.69% | -7.41% | -7.65% | -3.15% | 2.45% | 8.89% | +1,630 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.01% | 2.68% | 1.98% | 2.00% | 2.02% | 1.75% | 1.69% | 2.06% | +6 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.23% | -0.12% | -0.08% | -0.06% | 0.00% | -0.01% | +11 bps | |
| Allowance / Loans | 1.69% | 1.24% | 1.18% | 1.18% | 1.19% | 1.24% | 1.25% | 1.31% | +12 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.5x | 0.6x | 0.6x | 0.6x | 0.7x | 0.7x | 0.6x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 6.18% | 6.37% | 6.44% | 6.43% | 8.77% | 8.45% | 8.44% | 8.41% | +198 bps | |
| Total Risk-Based Capital | 11.46% | 11.07% | 10.48% | 10.07% | 13.07% | 13.11% | 12.90% | 12.97% | +290 bps | |
| Equity / Assets | 6.64% | 6.70% | 6.52% | 6.44% | 8.39% | 8.71% | 8.42% | 8.51% | +207 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.51% | 66.86% | 77.97% | 78.33% | 81.42% | 80.95% | 78.19% | 71.29% | -704 bps | |
| Liquid Assets / Assets | 17.54% | 9.98% | 3.23% | 3.54% | 7.96% | 7.60% | 11.62% | 13.30% | +976 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |