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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.86% | 0.72% | 1.56% | 1.38% | 1.19% | 0.52% | 0.94% | -63 bps | |
| Return on Equity | 5.18% | 5.78% | 4.69% | 10.56% | 9.59% | 8.42% | 3.81% | 6.86% | -370 bps | |
| Net Interest Margin | 3.86% | 3.92% | 4.80% | 4.68% | 4.27% | 4.21% | 4.94% | 4.96% | +28 bps | |
| Efficiency Ratio | 71.67% | 69.61% | 76.76% | 74.40% | 71.07% | 74.86% | 85.87% | 74.78% | +38 bps | |
| Non-Interest Burden | 2.68% | 2.65% | 3.62% | 3.41% | 2.97% | 3.08% | 4.19% | 3.64% | +23 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 | 0.09% | -0.05% | -3.12% | -1.33% | -0.87% | -0.60% | 0.11% | 0.06% | +139 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 |