Atlanta, GA · Cert 58523
FDIC · 2 branches
Q4 2024
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2024 SOD (annual) · 0.1% share · #45 of 81 inst. · $0.3B of $236.7B
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 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 0.90% | 0.74% | 0.67% | 0.24% | 0.26% | 0.39%1 | 0.44% | -23 bps | |
| Return on Equity | 12.37% | 10.39% | 8.68% | 7.89% | 2.96% | 3.15% | 4.66% | 5.20% | -269 bps | |
| Net Interest Margin | 3.96% | 3.66% | 3.35% | 3.20% | 2.74% | 2.70% | 2.82% | 2.81% | -39 bps | |
| Efficiency Ratio | 68.54% | 71.75% | 74.78% | 75.61% | 87.71% | 87.82% | 90.74% | 87.00% | +1,139 bps | |
| Non-Interest Burden | 2.61% | 2.50% | 2.39% | 2.31% | 2.33% | 2.31% | 2.52% | 2.38% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.81% | 8.90% | 6.89% | 16.53% | 15.35% | 12.39% | 13.59% | -1.05% | -1,759 bps | |
| Loan Growth (YoY) | 9.53% | 5.97% | 6.00% | 9.80% | 18.94% | 12.34% | 12.81% | 10.68% | +88 bps | |
| Deposit Growth (YoY) | 1.90% | 10.95% | 6.79% | 23.30% | 12.36% | 12.60% | 12.79% | -5.53% | -2,883 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.46% | 1.84% | 0.88% | 1.77% | 1.72% | 1.91% | 1.63% | 1.62% | -15 bps | |
| Net Charge-Offs / Loans | -0.05% | 0.01% | 0.00% | -0.01% | 0.00% | 0.00% | -0.01% | -0.01% | 0 bps | |
| Allowance / Loans | 1.26% | 1.20% | 1.19% | 1.18% | 1.15% | 1.17% | 1.17% | 1.16% | -2 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.7x | 1.4x | 0.7x | 0.7x | 0.6x | 0.7x | 0.7x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.68% | 11.13% | 10.81% | 10.71% | 10.56% | 10.35% | 10.37% | 10.35% | -36 bps | |
| Total Risk-Based Capital | 13.78% | 13.26% | 13.03% | 12.59% | 12.22% | 12.54% | 12.21% | 12.12% | -46 bps | |
| Equity / Assets | 9.03% | 8.56% | 8.25% | 8.12% | 8.33% | 8.27% | 8.57% | 8.93% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.23% | 78.31% | 80.06% | 76.80% | 83.87% | 78.13% | 80.07% | 89.98% | +1,318 bps | |
| Liquid Assets / Assets | 3.94% | 5.49% | 5.33% | 4.99% | 1.27% | 4.69% | 7.88% | 1.66% | -334 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |