Dallas, GA · Cert 58005
FDIC · 2 branches
Q2 2018
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2018 SOD (annual) · 0.0% share · #62 of 89 inst. · $0.1B 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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.42% | 1.15% | 1.75% | 2.02% | 1.92% | 4.97% | 2.01% | 2.18% | +16 bps | |
| Return on Equity | 17.59% | 14.08% | 21.19% | 24.08% | 22.73% | 54.39% | 16.69% | 17.74% | -633 bps | |
| Net Interest Margin | 4.20% | 4.21% | 4.61% | 4.59% | 4.53% | 4.66% | 4.93% | 4.90% | +31 bps | |
| Efficiency Ratio | 64.21% | 63.59% | 65.44% | 61.20% | 60.50% | 58.61% | 53.56% | 52.96% | -824 bps | |
| Non-Interest Burden | 2.40% | 2.42% | 2.89% | 2.62% | 2.58% | 2.45% | 2.04% | 1.82% | -79 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.73% | 6.72% | 19.39% | 17.59% | 18.42% | 19.41% | 4.94% | 7.71% | -988 bps | |
| Loan Growth (YoY) | 8.50% | 16.77% | 29.37% | 27.42% | 15.30% | 10.96% | 7.48% | 9.58% | -1,784 bps | |
| Deposit Growth (YoY) | 4.62% | 6.30% | 21.42% | 18.54% | 19.71% | 14.22% | -0.73% | 4.10% | -1,444 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 1.17% | 1.12% | 0.64% | 0.96% | 0.57% | 1.02% | -10 bps | |
| Net Charge-Offs / Loans | 0.79% | 0.55% | -0.01% | 0.00% | 0.66% | 0.48% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.23% | 1.70% | 1.59% | 1.54% | 1.18% | 1.20% | 1.16% | 1.10% | -44 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 1.4x | 1.4x | 1.8x | 1.3x | 2.0x | 1.1x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.61% | 8.45% | 8.41% | 8.75% | 8.89% | 9.04% | 9.69% | 10.35% | +160 bps | |
| Total Risk-Based Capital | 12.22% | 12.00% | 12.24% | 12.73% | 13.52% | 12.99% | 13.51% | 13.96% | +123 bps | |
| Equity / Assets | 8.56% | 8.43% | 8.06% | 8.68% | 8.61% | 11.70% | 12.45% | 12.76% | +409 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.58% | 80.44% | 77.32% | 81.37% | 74.72% | 78.15% | 83.72% | 85.66% | +429 bps | |
| Liquid Assets / Assets | 6.80% | 4.31% | 9.11% | 6.47% | 13.32% | 9.06% | 6.17% | 4.32% | -215 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |