Smyrna, GA · Cert 58533
FDIC · 2 branches
Q3 2022
Market Position · Atlanta-Sandy Springs-Alpharetta, GA · 2022 SOD (annual) · 0.2% share · #31 of 83 inst. · $0.6B of $244.2B
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 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.17% | 1.80% | 0.50% | 0.08% | -2.96% | -513 bps | |
| Return on Equity | 33.05% | 26.92% | 8.32% | 1.61% | -63.46% | -9,651 bps | |
| Net Interest Margin | 3.40% | 3.21% | 2.59% | 2.66% | 2.96% | -44 bps | |
| Efficiency Ratio | 50.88% | 55.42% | 59.10% | 59.43% | 55.97% | +508 bps | |
| Non-Interest Burden | 1.40% | 1.50% | 1.21% | 1.37% | 1.46% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.59% | -0.77% | -18.24% | -12.16% | -19.87% | -1,328 bps | |
| Loan Growth (YoY) | -27.31% | -32.10% | -38.36% | -16.46% | 6.77% | +3,408 bps | |
| Deposit Growth (YoY) | 26.50% | 39.86% | 16.11% | 5.99% | -11.84% | -3,834 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.65% | 0.00% | 0.00% | 0.00% | 0.00% | -65 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.43% | 0.00% | -0.05% | -0.03% | -9 bps | |
| Allowance / Loans | 0.95% | 1.01% | 1.05% | 1.03% | 0.96% | +1 bps | |
| Allowance Coverage of NPLs | 1.5x | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.23% | 7.19% | 7.03% | 7.11% | 5.06% | -216 bps | |
| Total Risk-Based Capital | 12.87% | 13.06% | 12.68% | 12.16% | 8.91% | -396 bps | |
| Equity / Assets | 7.49% | 7.09% | 4.97% | 2.55% | 3.54% | -394 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.07% | 38.65% | 38.53% | 43.65% | 55.79% | +973 bps | |
| Liquid Assets / Assets | 1.07% | 12.87% | 13.16% | 17.27% | 16.99% | +1,592 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |