Clarkesville, GA · Cert 58143
FDIC · 3 branches
Q1 2020
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 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.22% | 1.24% | 1.26% | 1.30% | -3.03% | -424 bps | |
| Return on Equity | 13.63% | 13.98% | 14.13% | 14.58% | -35.62% | -4,924 bps | |
| Net Interest Margin | 4.22% | 4.18% | 4.13% | 3.96% | 4.15% | -7 bps | |
| Efficiency Ratio | 66.35% | 66.18% | 65.10% | 64.12% | 184.56% | +11,821 bps | |
| Non-Interest Burden | 2.63% | 2.61% | 2.53% | 2.38% | 8.04% | +541 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.29% | 22.74% | 20.68% | 19.14% | 11.04% | -425 bps | |
| Loan Growth (YoY) | 10.13% | 17.86% | 15.96% | 17.44% | 13.40% | +327 bps | |
| Deposit Growth (YoY) | 16.14% | 22.29% | 22.06% | 19.06% | 11.15% | -499 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.69% | 0.59% | 0.56% | 0.54% | 0.70% | +1 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.00% | 0.01% | 0.04% | +2 bps | |
| Allowance / Loans | 1.37% | 1.24% | 1.26% | 1.21% | 1.21% | -15 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.1x | 2.2x | 2.2x | 1.7x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.22% | 9.10% | 9.08% | 8.86% | 8.02% | -120 bps | |
| Total Risk-Based Capital | 13.27% | 12.60% | 12.88% | 12.62% | 11.70% | -157 bps | |
| Equity / Assets | 8.88% | 8.85% | 8.88% | 8.86% | 8.14% | -74 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.58% | 92.20% | 88.62% | 89.15% | 89.35% | +177 bps | |
| Liquid Assets / Assets | 8.36% | 4.12% | 5.97% | 6.61% | 1.76% | -660 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |