Fayetteville, GA · Cert 58599
FDIC · 1 branch
Q2 2018
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2018 SOD (annual) · 0.0% share · #61 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 | 0.71% | 1.03% | 0.72% | 2.43% | 1.05% | 0.66% | 0.52% | 1.40% | -104 bps | |
| Return on Equity | 5.21% | 7.54% | 4.69% | 16.31% | 7.68% | 5.05% | 3.81% | 9.89% | -642 bps | |
| Net Interest Margin | 3.98% | 4.38% | 4.80% | 4.79% | 4.61% | 4.45% | 4.94% | 4.99% | +20 bps | |
| Efficiency Ratio | 71.84% | 64.21% | 76.76% | 72.16% | 65.23% | 85.32% | 85.87% | 63.80% | -835 bps | |
| Non-Interest Burden | 2.77% | 2.73% | 3.62% | 3.38% | 2.91% | 3.74% | 4.19% | 3.09% | -29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 43.33% | 18.65% | 6.30% | 11.75% | 4.41% | 23.95% | 20.96% | 6.78% | -497 bps | |
| Loan Growth (YoY) | 20.73% | 19.10% | 22.87% | 37.91% | 34.44% | 26.33% | 26.17% | 12.10% | -2,581 bps | |
| Deposit Growth (YoY) | 51.77% | 22.97% | 7.24% | 13.18% | 3.82% | 28.13% | 29.06% | 10.39% | -279 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.30% | 0.14% | 0.76% | 0.14% | 0.11% | 0.11% | -3 bps | |
| Net Charge-Offs / Loans | 0.46% | -0.46% | -3.12% | 0.12% | 0.00% | 0.15% | 0.11% | 0.00% | -12 bps | |
| Allowance / Loans | 1.29% | 1.30% | 1.98% | 1.05% | 1.03% | 0.97% | 0.87% | 0.87% | -18 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 6.7x | 7.3x | 1.4x | 7.1x | 7.6x | 7.9x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.73% | 13.78% | 15.31% | 15.38% | 13.86% | 13.41% | 14.31% | 14.76% | -63 bps | |
| Total Risk-Based Capital | 19.84% | 20.06% | 19.74% | 18.42% | 18.45% | 18.18% | 17.36% | 17.47% | -96 bps | |
| Equity / Assets | 12.90% | 14.60% | 16.03% | 13.99% | 13.40% | 12.90% | 14.35% | 13.87% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.73% | 92.09% | 110.40% | 99.29% | 94.19% | 90.80% | 107.93% | 100.82% | +154 bps | |
| Liquid Assets / Assets | 25.23% | 12.60% | 2.15% | 8.50% | 12.95% | 14.92% | 0.03% | 6.40% | -210 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |