Dawsonville, GA · Cert 58421
FDIC · 2 branches
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, 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.
Dawsonville, GA · Cert 58421
FDIC · 2 branches
Q2 2018
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2018 SOD (annual) · 0.1% share · #58 of 89 inst. · $0.1B of $173.1B
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.71% | -3.89% | -0.54% | 0.47% | 0.51% | 0.46% | 0.39% | -0.74% | -121 bps | |
| Return on Equity | -37.60% | -51.76% | -6.28% | 5.40% | 5.92% | 5.36% | 4.87% | -9.42% | -1,482 bps | |
| Net Interest Margin | 3.28% | 3.33% | 3.55% | 3.74% | 3.69% | 3.63% | 3.54% | 3.62% | -12 bps | |
| Efficiency Ratio | 172.86% | 276% | 114.77% | 97.23% | 93.47% | 93.11% | 93.85% | 89.75% | -747 bps | |
| Non-Interest Burden | 5.74% | 6.91% | 4.09% | 3.63% | 3.42% | 3.35% | 3.31% | 3.21% | -42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.89% | 14.93% | 20.00% | 5.82% | 9.20% | 14.99% | 13.65% | 15.93% | +1,011 bps | |
| Loan Growth (YoY) | 0.93% | 0.48% | 16.17% | 28.29% | 25.72% | 35.77% | 25.87% | 22.95% | -534 bps | |
| Deposit Growth (YoY) | 4.52% | 8.30% | 11.91% | 10.26% | 11.90% | 15.90% | 14.55% | 17.65% | +739 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.08% | +8 bps | |
| Net Charge-Offs / Loans | 0.92% | 0.71% | -0.05% | -0.61% | -0.43% | -0.31% | -0.24% | -0.15% | +45 bps | |
| Allowance / Loans | 1.46% | 1.53% | 1.39% | 1.26% | 1.27% | 1.19% | 1.16% | 1.05% | -21 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 12.8x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.81% | 9.01% | 8.82% | 8.97% | 8.83% | 8.71% | 8.34% | 7.92% | -105 bps | |
| Total Risk-Based Capital | 15.67% | 12.96% | 12.48% | 11.79% | 12.31% | 11.55% | 11.67% | 10.47% | -133 bps | |
| Equity / Assets | 10.92% | 8.67% | 8.60% | 8.73% | 8.64% | 8.06% | 7.98% | 7.54% | -119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.01% | 60.67% | 66.52% | 72.96% | 70.79% | 71.07% | 73.10% | 76.25% | +328 bps | |
| Liquid Assets / Assets | 15.45% | 18.75% | 13.00% | 4.65% | 9.64% | 11.89% | 7.72% | 18.85% | +1,419 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |