Clarkesville, GA · Cert 58143
FDIC · 3 branches
Q1 2020
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.42% | 1.35% | 1.01% | 1.22% | 1.27% | 1.28% | 1.40% | -3.03% | -424 bps | |
| Return on Equity | 15.46% | 14.60% | 11.09% | 13.63% | 14.33% | 14.40% | 15.75% | -35.62% | -4,924 bps | |
| Net Interest Margin | 4.46% | 4.37% | 4.38% | 4.22% | 4.35% | 4.35% | 4.09% | 4.15% | -7 bps | |
| Efficiency Ratio | 65.73% | 64.77% | 67.22% | 66.35% | 66.03% | 63.07% | 61.32% | 184.56% | +11,821 bps | |
| Non-Interest Burden | 2.78% | 2.65% | 2.80% | 2.63% | 2.72% | 2.58% | 2.32% | 8.04% | +541 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.82% | 7.30% | 10.48% | 15.29% | 22.74% | 20.68% | 19.14% | 11.04% | -425 bps | |
| Loan Growth (YoY) | 13.23% | 11.40% | 8.81% | 10.13% | 17.86% | 15.96% | 17.44% | 13.40% | +327 bps | |
| Deposit Growth (YoY) | 16.06% | 7.34% | 11.37% | 16.14% | 22.29% | 22.06% | 19.06% | 11.15% | -499 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.76% | 0.82% | 0.73% | 0.69% | 0.59% | 0.56% | 0.54% | 0.70% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.00% | 0.02% | 0.00% | 0.00% | 0.01% | 0.04% | +2 bps | |
| Allowance / Loans | 1.40% | 1.38% | 1.41% | 1.37% | 1.24% | 1.26% | 1.21% | 1.21% | -15 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.7x | 1.9x | 2.0x | 2.1x | 2.2x | 2.2x | 1.7x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.31% | 9.49% | 9.36% | 9.22% | 9.10% | 9.08% | 8.86% | 8.02% | -120 bps | |
| Total Risk-Based Capital | 13.27% | 13.60% | 13.23% | 13.27% | 12.60% | 12.88% | 12.62% | 11.70% | -157 bps | |
| Equity / Assets | 9.39% | 9.16% | 8.97% | 8.88% | 8.85% | 8.88% | 8.86% | 8.14% | -74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.66% | 93.28% | 90.38% | 87.58% | 92.20% | 88.62% | 89.15% | 89.35% | +177 bps | |
| Liquid Assets / Assets | 2.21% | 6.51% | 6.38% | 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 | n/a | n/a | n/a |