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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.26% | 1.32% | 3.18% | 1.90% | 0.67% | 0.50% | -0.38% | -9.92% | -1,182 bps | |
| Return on Equity | 34.98% | 22.13% | 52.56% | 26.26% | 9.15% | 8.32% | -9.85% | -329% | -35,539 bps | |
| Net Interest Margin | 3.93% | 3.85% | 3.89% | 3.49% | 2.80% | 2.59% | 2.63% | 3.29% | -20 bps | |
| Efficiency Ratio | 57.89% | 51.27% | 45.16% | 56.28% | 70.05% | 59.10% | 59.83% | 49.49% | -678 bps | |
| Non-Interest Burden | 1.24% | 1.36% | 1.06% | 1.62% | 1.71% | 1.21% | 1.49% | 1.50% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 87.45% | 82.71% | 0.87% | -6.59% | -0.77% | -18.24% | -12.16% | -19.87% | -1,328 bps | |
| Loan Growth (YoY) | 138.57% | 133.33% | -12.02% | -27.31% | -32.10% | -38.36% | -16.46% | 6.77% | +3,408 bps | |
| Deposit Growth (YoY) | 35.62% | 49.42% | 27.24% | 26.50% | 39.86% | 16.11% | 5.99% | -11.84% | -3,834 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.54% | 0.50% | 0.57% | 0.65% | 0.00% | 0.00% | 0.00% | 0.00% | -65 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.00% | 0.15% | 0.00% | 1.53% | 0.00% | -0.10% | -0.01% | -1 bps | |
| Allowance / Loans | 0.64% | 0.63% | 0.75% | 0.95% | 1.01% | 1.05% | 1.03% | 0.96% | +1 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.2x | 1.3x | 1.5x | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.51% | 7.16% | 7.66% | 7.23% | 7.19% | 7.03% | 7.11% | 5.06% | -216 bps | |
| Total Risk-Based Capital | 12.02% | 11.29% | 13.41% | 12.87% | 13.06% | 12.68% | 12.16% | 8.91% | -396 bps | |
| Equity / Assets | 6.79% | 5.27% | 6.98% | 7.49% | 7.09% | 4.97% | 2.55% | 3.54% | -394 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.61% | 72.58% | 55.38% | 46.07% | 38.65% | 38.53% | 43.65% | 55.79% | +973 bps | |
| Liquid Assets / Assets | 2.39% | 2.57% | 1.20% | 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 | n/a | n/a | n/a |