Alpharetta, GA · Cert 58189
FDIC · 1 branch
Q2 2019
Market Position · Atlanta-Sandy Springs-Alpharetta, GA · 2019 SOD (annual) · 0.0% share · #64 of 85 inst. · $0.1B of $177.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | -15.38% | -0.20% | 0.22% | -1.57% | 0.74% | 0.21% | 0.08% | -14 bps | |
| Return on Equity | 1.24% | -124.56% | -1.49% | 1.41% | -9.04% | 4.45% | 1.34% | 0.50% | -91 bps | |
| Net Interest Margin | 3.02% | 3.14% | 4.37% | 3.47% | 3.62% | 3.63% | 3.64% | 3.71% | +24 bps | |
| Efficiency Ratio | 92.72% | n/a | 105.10% | 91.31% | 182.04% | 94.33% | 92.21% | 97.13% | +582 bps | |
| Non-Interest Burden | 2.69% | 17.10% | 4.40% | 3.08% | 5.08% | 3.29% | 3.23% | 3.46% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.79% | -9.16% | -15.64% | -15.60% | -14.64% | -6.40% | 0.97% | 7.64% | +2,323 bps | |
| Loan Growth (YoY) | -3.57% | -5.70% | -7.18% | -9.59% | -9.37% | -7.90% | -7.04% | 3.51% | +1,310 bps | |
| Deposit Growth (YoY) | -10.56% | -11.48% | -19.05% | -22.36% | -22.15% | -8.93% | 0.03% | 13.99% | +3,636 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 1.35% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.49% | 1.52% | 1.52% | 1.61% | 1.65% | 1.32% | 1.30% | 1.24% | -37 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.85% | 10.84% | 10.79% | 13.95% | 14.65% | 12.71% | 12.40% | 12.59% | -136 bps | |
| Total Risk-Based Capital | 10.43% | 14.07% | 14.72% | 18.61% | 19.03% | 17.56% | 17.40% | 16.60% | -201 bps | |
| Equity / Assets | 11.58% | 13.13% | 13.99% | 17.30% | 17.52% | 15.98% | 15.88% | 15.80% | -150 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.37% | 83.02% | 89.96% | 94.24% | 94.74% | 83.95% | 83.60% | 85.57% | -867 bps | |
| Liquid Assets / Assets | 9.26% | 10.79% | 10.88% | 10.05% | 11.24% | 17.48% | 16.53% | 11.99% | +194 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |