Atlanta, GA · Cert 58380
FDIC · 2 branches
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, 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.
Atlanta, GA · Cert 58380
FDIC · 2 branches
Q4 2016
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2016 SOD (annual) · 0.2% share · #36 of 91 inst. · $0.3B of $156.2B
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.20% | 2.63% | 2.32% | 2.05% | 1.22% | 1.31% | 1.42% | 1.47% | -58 bps | |
| Return on Equity | 24.61% | 29.08% | 25.54% | 22.70% | 14.57% | 15.49% | 17.10% | 17.59% | -511 bps | |
| Net Interest Margin | 4.83% | 4.44% | 4.49% | 4.41% | 4.71% | 4.59% | 4.41% | 4.25% | -16 bps | |
| Efficiency Ratio | 68.75% | 69.65% | 70.39% | 72.13% | 77.97% | 78.56% | 77.98% | 78.46% | +633 bps | |
| Non-Interest Burden | 2.24% | 2.13% | 2.30% | 2.43% | 3.15% | 3.04% | 2.86% | 2.76% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.34% | 14.85% | 13.26% | 14.13% | 14.13% | 10.32% | 25.72% | 14.98% | +85 bps | |
| Loan Growth (YoY) | 29.73% | 20.40% | 20.86% | 22.82% | 23.45% | 22.51% | 28.05% | 16.64% | -618 bps | |
| Deposit Growth (YoY) | 24.76% | 17.37% | 17.87% | 15.69% | 8.30% | 16.12% | 23.06% | 35.41% | +1,971 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% | 0.21% | 0.13% | 0.08% | 0.18% | 0.09% | 0.06% | 0.04% | -4 bps | |
| Allowance / Loans | 1.53% | 1.17% | 1.21% | 1.15% | 1.14% | 1.18% | 1.14% | 1.13% | -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 | 9.39% | 9.37% | 9.03% | 9.13% | 8.31% | 8.38% | 8.25% | 8.15% | -98 bps | |
| Total Risk-Based Capital | 12.56% | 12.57% | 11.86% | 11.66% | 10.54% | 11.03% | 10.59% | 10.86% | -80 bps | |
| Equity / Assets | 8.70% | 9.28% | 9.14% | 8.81% | 7.96% | 8.58% | 7.99% | 8.45% | -36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.70% | 99.74% | 99.55% | 116.09% | 109.08% | 105.23% | 103.59% | 100.00% | -1,609 bps | |
| Liquid Assets / Assets | 9.75% | 5.55% | 3.62% | 2.53% | 4.20% | 1.26% | 7.06% | 4.81% | +229 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |