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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 0.95% | 1.10% | 1.12% | 0.99% | 1.05% | 0.97% | -0.35% | -147 bps | |
| Return on Equity | 9.73% | 9.16% | 10.62% | 10.94% | 9.79% | 11.96% | 11.37% | -4.37% | -1,531 bps | |
| Net Interest Margin | 3.64% | 3.31% | 3.03% | 3.00% | 2.92% | 2.46% | 2.50% | 2.44% | -55 bps | |
| Efficiency Ratio | 73.25% | 73.97% | 68.47% | 68.59% | 72.03% | 81.15% | 78.55% | 120.56% | +5,198 bps | |
| Non-Interest Burden | 2.57% | 2.37% | 1.99% | 1.97% | 2.03% | 1.95% | 1.91% | 3.00% | +103 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 | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | -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 |