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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.54% | 0.93% | 10.10% | 0.59% | 0.65% | 1.01% | 0.83% | -927 bps | |
| Return on Equity | 8.40% | 5.78% | 9.51% | 90.46% | 4.74% | 5.84% | 10.10% | 8.55% | -8,191 bps | |
| Net Interest Margin | 4.25% | 4.20% | 4.17% | 4.20% | 4.19% | 4.45% | 3.90% | 3.73% | -47 bps | |
| Efficiency Ratio | 84.18% | 79.30% | 73.95% | 90.74% | 80.18% | 66.36% | 65.73% | 71.41% | -1,933 bps | |
| Non-Interest Burden | 3.49% | 3.18% | 3.16% | 3.75% | 3.19% | 2.68% | 2.22% | 2.36% | -139 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.72% | 7.62% | 8.37% | 5.54% | 2.28% | 27.60% | 33.89% | 41.23% | +3,569 bps | |
| Loan Growth (YoY) | 5.50% | 1.38% | 5.76% | 6.02% | 5.29% | 30.49% | 29.39% | 30.79% | +2,476 bps | |
| Deposit Growth (YoY) | 10.46% | 6.30% | 7.41% | 1.60% | -1.31% | 19.38% | 26.07% | 41.00% | +3,940 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.20% | 0.18% | 0.00% | 0.00% | 0.00% | -20 bps | |
| Net Charge-Offs / Loans | 0.00% | 1.12% | 0.00% | 0.00% | -0.57% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.41% | 1.39% | 1.35% | 1.37% | 1.49% | 1.51% | 1.46% | 1.46% | +9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 6.9x | 8.2x | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.07% | 9.59% | 9.69% | 10.25% | 10.38% | 9.35% | 8.95% | 8.72% | -153 bps | |
| Total Risk-Based Capital | 13.81% | 15.15% | 15.84% | 16.55% | 10.38% | 9.35% | 8.95% | 8.72% | -784 bps | |
| Equity / Assets | 8.99% | 9.78% | 9.81% | 12.54% | 12.42% | 10.19% | 9.76% | 9.65% | -289 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.79% | 65.14% | 66.82% | 69.45% | 71.25% | 71.21% | 68.58% | 64.42% | -503 bps | |
| Liquid Assets / Assets | 11.33% | 11.25% | 14.06% | 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 | n/a | n/a | n/a |