Albertville, AL · Cert 58375
FDIC · 2 branches
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.
Albertville, AL · Cert 58375
FDIC · 2 branches
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 | 1.13% | 1.21% | 1.14% | 1.16% | 1.21% | 1.36% | 1.41% | 1.52% | +36 bps | |
| Return on Equity | 8.47% | 9.07% | 8.59% | 8.66% | 9.06% | 10.11% | 10.36% | 11.18% | +252 bps | |
| Net Interest Margin | 3.94% | 4.02% | 3.97% | 4.05% | 4.02% | 4.02% | 4.03% | 3.98% | -7 bps | |
| Efficiency Ratio | 60.94% | 61.76% | 62.47% | 61.22% | 60.60% | 59.33% | 58.75% | 56.63% | -459 bps | |
| Non-Interest Burden | 2.14% | 2.22% | 2.25% | 2.22% | 2.18% | 2.16% | 2.15% | 2.01% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.89% | 5.68% | 4.12% | 3.23% | 3.31% | 5.87% | 5.20% | 9.10% | +587 bps | |
| Loan Growth (YoY) | 8.94% | 10.43% | 8.64% | 10.95% | 9.40% | 6.51% | 9.92% | 6.28% | -467 bps | |
| Deposit Growth (YoY) | 6.92% | 5.84% | 4.24% | 3.19% | 3.09% | 5.66% | 4.65% | 9.01% | +582 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.24% | 0.18% | 0.37% | 0.16% | 0.02% | 0.20% | 0.03% | 0.01% | -14 bps | |
| Net Charge-Offs / Loans | 0.31% | 0.20% | 0.15% | 0.09% | 0.20% | 0.03% | 0.13% | 0.13% | +4 bps | |
| Allowance / Loans | 0.90% | 0.91% | 1.02% | 1.13% | 1.03% | 1.07% | 1.01% | 0.96% | -17 bps | |
| Allowance Coverage of NPLs | 3.8x | 5.1x | 2.7x | 7.2x | 68.2x | 5.3x | 34.1x | 65.5x | +58.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.35% | 12.72% | 12.72% | 13.06% | 12.61% | 12.89% | 13.04% | 13.13% | +7 bps | |
| Total Risk-Based Capital | 19.18% | 19.35% | 19.88% | 19.95% | 18.85% | 19.61% | 19.90% | 20.92% | +97 bps | |
| Equity / Assets | 13.29% | 13.31% | 13.38% | 13.56% | 13.42% | 13.46% | 13.80% | 13.73% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.09% | 76.66% | 75.08% | 78.44% | 80.75% | 77.27% | 78.86% | 76.48% | -196 bps | |
| Liquid Assets / Assets | 3.52% | 4.01% | 6.42% | 2.99% | 2.58% | 3.04% | 2.82% | 2.65% | -34 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |