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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.14% | 1.20% | 1.83% | 1.21% | 1.08% | -106 bps | |
| Return on Equity | 22.35% | 12.13% | 18.52% | 12.03% | 10.49% | -1,186 bps | |
| Net Interest Margin | 4.00% | 4.15% | 4.13% | 4.04% | 4.19% | +19 bps | |
| Efficiency Ratio | 58.45% | 56.70% | 51.13% | 60.67% | 69.11% | +1,066 bps | |
| Non-Interest Burden | 2.24% | 2.24% | 1.84% | 2.33% | 2.77% | +53 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.03% | 3.72% | 8.92% | 6.10% | 10.00% | +997 bps | |
| Loan Growth (YoY) | 4.14% | 5.06% | 8.08% | 5.65% | 8.12% | +398 bps | |
| Deposit Growth (YoY) | -0.16% | 2.96% | 8.15% | 4.93% | 9.67% | +983 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.01% | 0.85% | 0.94% | 0.92% | 0.92% | -9 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.22% | -0.02% | 0.02% | 0.02% | -8 bps | |
| Allowance / Loans | 1.53% | 1.57% | 1.60% | 1.60% | 1.57% | +3 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.9x | 1.7x | 1.7x | 1.7x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.03% | 10.06% | 10.35% | 10.16% | 10.35% | +32 bps | |
| Total Risk-Based Capital | 14.84% | 14.63% | 15.20% | 15.44% | 15.37% | +53 bps | |
| Equity / Assets | 9.88% | 9.90% | 9.89% | 10.25% | 10.27% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.15% | 94.76% | 90.39% | 91.81% | 92.82% | -133 bps | |
| Liquid Assets / Assets | 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 |