Hiram, GA · Cert 58347
FDIC · 2 branches
Q4 2020
Market Position · Atlanta-Sandy Springs-Alpharetta, GA · 2020 SOD (annual) · 0.1% share · #52 of 81 inst. · $0.1B of $194.0B
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.13% | 0.59% | 0.61% | 0.76% | 0.79% | -234 bps | |
| Return on Equity | 31.05% | 4.74% | 5.29% | 6.92% | 7.34% | -2,371 bps | |
| Net Interest Margin | 4.29% | 4.19% | 4.06% | 3.78% | 3.60% | -69 bps | |
| Efficiency Ratio | 81.88% | 80.18% | 72.70% | 70.27% | 70.57% | -1,130 bps | |
| Non-Interest Burden | 3.40% | 3.19% | 2.70% | 2.35% | 2.26% | -114 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.54% | 2.28% | 27.60% | 33.89% | 41.23% | +3,569 bps | |
| Loan Growth (YoY) | 6.02% | 5.29% | 30.49% | 29.39% | 30.79% | +2,476 bps | |
| Deposit Growth (YoY) | 1.60% | -1.31% | 19.38% | 26.07% | 41.00% | +3,940 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.20% | 0.18% | 0.00% | 0.00% | 0.00% | -20 bps | |
| Net Charge-Offs / Loans | 0.27% | -0.57% | -0.24% | -0.15% | -0.12% | -38 bps | |
| Allowance / Loans | 1.37% | 1.49% | 1.51% | 1.46% | 1.46% | +9 bps | |
| Allowance Coverage of NPLs | 6.9x | 8.2x | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.25% | 10.38% | 9.35% | 8.95% | 8.72% | -153 bps | |
| Total Risk-Based Capital | 16.55% | 10.38% | 9.35% | 8.95% | 8.72% | -784 bps | |
| Equity / Assets | 12.54% | 12.42% | 10.19% | 9.76% | 9.65% | -289 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.45% | 71.25% | 71.21% | 68.58% | 64.42% | -503 bps | |
| Liquid Assets / Assets | 13.15% | 15.77% | 10.93% | 11.58% | 9.93% | -322 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |