Monroe, GA · Cert 58274
FDIC · 1 branch
Q3 2021
Market Position · Atlanta-Sandy Springs-Alpharetta, GA · 2021 SOD (annual) · 0.1% share · #51 of 81 inst. · $0.2B of $236.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 0.95% | 1.22% | 1.15% | 0.64% | 1.05% | 0.89% | -2.84% | -399 bps | |
| Return on Equity | 8.34% | 9.16% | 12.24% | 11.41% | 6.45% | 11.96% | 11.21% | -38.01% | -4,941 bps | |
| Net Interest Margin | 3.52% | 3.31% | 3.17% | 3.02% | 2.67% | 2.46% | 2.64% | 2.51% | -50 bps | |
| Efficiency Ratio | 75.23% | 73.97% | 63.42% | 68.82% | 83.47% | 81.15% | 76.22% | 198.13% | +12,931 bps | |
| Non-Interest Burden | 2.56% | 2.37% | 1.92% | 1.99% | 2.19% | 1.95% | 1.95% | 5.33% | +334 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.13% | 16.32% | 18.40% | 24.48% | 22.30% | 17.60% | 16.89% | 15.76% | -872 bps | |
| Loan Growth (YoY) | -10.44% | -12.31% | -10.10% | -11.09% | -12.51% | -8.26% | -2.54% | -5.64% | +545 bps | |
| Deposit Growth (YoY) | 6.14% | 17.48% | 19.34% | 29.44% | 24.20% | 20.19% | 19.65% | 19.97% | -948 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% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | 0 bps | |
| Allowance / Loans | 1.38% | 1.40% | 1.44% | 1.50% | 1.65% | 1.49% | 1.41% | 1.48% | -2 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 | 11.67% | 10.55% | 9.50% | 9.64% | 9.82% | 8.97% | 8.83% | 7.81% | -183 bps | |
| Total Risk-Based Capital | 18.44% | 10.55% | 9.50% | 9.64% | 9.82% | 8.97% | 8.83% | 7.81% | -183 bps | |
| Equity / Assets | 11.17% | 9.76% | 10.11% | 9.98% | 9.80% | 7.79% | 8.01% | 6.96% | -303 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.59% | 56.24% | 53.05% | 51.48% | 45.50% | 42.93% | 43.21% | 40.49% | -1,099 bps | |
| Liquid Assets / Assets | 5.65% | 3.94% | 7.04% | 6.68% | 6.32% | 4.58% | 2.19% | 2.12% | -456 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |