Alpharetta, GA · Cert 58617
FDIC · 4 branches
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Alpharetta, GA · Cert 58617
FDIC · 4 branches
Q1 2016
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2015 SOD (annual) · 0.2% share · #27 of 97 inst. · $0.3B of $146.1B
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.69% | 0.72% | 0.68% | 0.73% | 0.81% | 0.84% | -3.37% | -405 bps | |
| Return on Equity | 6.86% | 6.55% | 6.76% | 6.10% | 6.53% | 7.21% | 7.54% | -32.09% | -3,820 bps | |
| Net Interest Margin | 3.11% | 3.12% | 3.13% | 3.28% | 3.22% | 3.25% | 3.15% | 3.45% | +17 bps | |
| Efficiency Ratio | 66.28% | 67.19% | 66.95% | 69.94% | 68.37% | 67.98% | 71.85% | 229% | +15,895 bps | |
| Non-Interest Burden | 1.88% | 1.95% | 1.96% | 2.18% | 2.06% | 2.06% | 2.13% | 8.50% | +632 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.81% | 16.70% | 4.74% | 1.32% | 4.63% | 0.33% | 6.27% | 3.24% | +192 bps | |
| Loan Growth (YoY) | 14.40% | 21.80% | 13.52% | 9.85% | 11.86% | 6.02% | 3.44% | 20.00% | +1,015 bps | |
| Deposit Growth (YoY) | 9.85% | 17.01% | 4.51% | 0.97% | 4.35% | -0.24% | 6.71% | 3.09% | +212 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.04% | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.65% | 1.55% | 1.50% | 1.56% | 1.52% | 1.38% | 1.05% | 0.95% | -62 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | 11.11% | 11.06% | 11.26% | 11.02% | 9.58% | -153 bps | |
| Total Risk-Based Capital | 16.61% | 15.76% | 15.63% | 15.39% | 14.68% | 15.12% | 14.70% | 11.48% | -391 bps | |
| Equity / Assets | 10.94% | 10.56% | 11.08% | 11.22% | 11.18% | 11.42% | 11.12% | 9.90% | -132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.29% | 69.25% | 73.23% | 70.42% | 73.21% | 73.59% | 70.99% | 81.97% | +1,155 bps | |
| Liquid Assets / Assets | 5.37% | 7.49% | 3.88% | 9.07% | 5.27% | 5.02% | 6.98% | 0.73% | -834 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |