Woodstock, GA · Cert 58294
FDIC · 1 branch
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.
Woodstock, GA · Cert 58294
FDIC · 1 branch
Q3 2019
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 | 1.49% | 1.03% | 1.14% | 0.82% | 1.19% | 0.25% | 1.27%1 | 0.61%1 | -21 bps | |
| Return on Equity | 17.45% | 9.74% | 10.14% | 6.92% | 9.66% | 1.70% | 8.68% | 4.00% | -293 bps | |
| Net Interest Margin | 2.67% | 2.59% | 2.99% | 3.25% | 3.37% | 4.39% | 3.79% | 3.86% | +62 bps | |
| Efficiency Ratio | 88.32% | 80.65% | 79.50% | 81.89% | 82.76% | 89.71% | 86.14% | 111.08% | +2,919 bps | |
| Non-Interest Burden | 2.12% | 1.62% | 1.79% | 2.13% | 2.28% | 3.79% | 2.97% | 4.44% | +231 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.66% | -20.84% | -27.68% | -29.23% | -24.33% | -15.16% | -4.00% | -12.31% | +1,692 bps | |
| Loan Growth (YoY) | -20.60% | -4.45% | 23.93% | 18.05% | 18.35% | 10.77% | -24.42% | -23.14% | -4,119 bps | |
| Deposit Growth (YoY) | -4.59% | -23.69% | -31.57% | -33.55% | -28.01% | -18.67% | -6.73% | -16.00% | +1,755 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 0.58% | 0.46% | 0.37% | 0.37% | 0.36% | 0.63% | 0.46% | +8 bps | |
| Net Charge-Offs / Loans | -0.13% | -0.26% | -0.09% | -0.05% | -1.83% | 0.05% | 0.51% | 0.39% | +45 bps | |
| Allowance / Loans | 1.13% | 1.12% | 0.88% | 0.99% | 0.98% | 1.20% | 1.17% | 1.28% | +30 bps | |
| Allowance Coverage of NPLs | 4.3x | 1.9x | 1.9x | 2.6x | 2.6x | 3.3x | 1.9x | 2.8x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.35% | 9.57% | 11.58% | 12.48% | 13.94% | 14.17% | 14.29% | 15.66% | +319 bps | |
| Total Risk-Based Capital | 25.33% | 24.90% | 22.47% | 24.10% | 26.51% | 27.78% | 32.80% | 39.40% | +1,529 bps | |
| Equity / Assets | 10.10% | 11.00% | 12.87% | 14.04% | 14.37% | 14.54% | 15.15% | 17.58% | +354 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 22.11% | 26.40% | 38.51% | 38.10% | 36.34% | 35.96% | 31.21% | 34.86% | -324 bps | |
| Liquid Assets / Assets | 54.40% | 49.52% | 35.57% | 31.28% | 34.96% | 37.34% | 46.13% | 42.69% | +1,141 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |