Dothan, AL · Cert 58206
FDIC · 3 branches
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Dothan, AL · Cert 58206
FDIC · 3 branches
Q3 2019
Market Position · Dothan, AL · 2019 SOD (annual) · 2.1% share · #15 of 18 inst. · $0.1B of $3.4B
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 1.15% | 1.20% | 1.52% | 1.44% | 1.83% | 1.52% | 1.37% | -15 bps | |
| Return on Equity | 1.97% | 12.49% | 13.00% | 16.20% | 15.16% | 18.52% | 15.22% | 13.60% | -260 bps | |
| Net Interest Margin | 3.76% | 3.93% | 3.96% | 3.95% | 3.99% | 4.13% | 3.99% | 4.03% | +8 bps | |
| Efficiency Ratio | 59.48% | 61.97% | 61.40% | 60.41% | 59.44% | 51.13% | 55.83% | 60.41% | +1 bps | |
| Non-Interest Burden | 2.12% | 2.34% | 2.34% | 2.29% | 2.27% | 1.84% | 2.04% | 2.27% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.09% | 3.38% | 2.55% | 0.03% | 3.72% | 8.92% | 6.10% | 10.00% | +997 bps | |
| Loan Growth (YoY) | 8.04% | 3.42% | 3.01% | 4.14% | 5.06% | 8.08% | 5.65% | 8.12% | +398 bps | |
| Deposit Growth (YoY) | 6.54% | 2.66% | 2.56% | -0.16% | 2.96% | 8.15% | 4.93% | 9.67% | +983 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.52% | 0.77% | 1.24% | 1.01% | 0.85% | 0.94% | 0.92% | 0.92% | -9 bps | |
| Net Charge-Offs / Loans | 0.87% | -0.01% | -0.15% | -0.06% | 0.01% | -0.02% | 0.00% | 0.01% | +7 bps | |
| Allowance / Loans | 1.86% | 1.94% | 1.94% | 1.53% | 1.57% | 1.60% | 1.60% | 1.57% | +3 bps | |
| Allowance Coverage of NPLs | 3.6x | 2.5x | 1.6x | 1.5x | 1.9x | 1.7x | 1.7x | 1.7x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.89% | 9.46% | 9.59% | 10.03% | 10.06% | 10.35% | 10.16% | 10.35% | +32 bps | |
| Total Risk-Based Capital | 13.64% | 14.26% | 14.36% | 14.84% | 14.63% | 15.20% | 15.44% | 15.37% | +53 bps | |
| Equity / Assets | 9.12% | 9.27% | 9.28% | 9.88% | 9.90% | 9.89% | 10.25% | 10.27% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.87% | 90.45% | 91.18% | 94.15% | 94.76% | 90.39% | 91.81% | 92.82% | -133 bps | |
| Liquid Assets / Assets | 4.35% | 7.30% | 6.87% | 4.97% | 4.15% | 9.86% | 9.17% | 9.11% | +414 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |