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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.67% | -7.14% | -0.54% | 1.46% | 0.60% | 0.31% | 0.39% | -1.85% | -330 bps | |
| Return on Equity | -56.85% | -72.94% | -6.28% | 16.82% | 6.88% | 3.68% | 4.87% | -23.81% | -4,064 bps | |
| Net Interest Margin | 3.32% | 3.50% | 3.55% | 4.03% | 3.84% | 3.70% | 3.54% | 3.68% | -35 bps | |
| Efficiency Ratio | 293% | 276% | 114.77% | 83.82% | 86.88% | 91.97% | 93.85% | 86.16% | +235 bps | |
| Non-Interest Burden | 9.82% | 10.44% | 4.09% | 3.27% | 3.25% | 3.39% | 3.31% | 3.10% | -18 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 | 0.10% | 0.06% | -0.05% | -1.18% | -0.07% | -0.03% | -0.24% | -0.09% | +109 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 |