Lagrange, GA · Cert 58670
FDIC · 2 branches
Q1 2019
Market Position · Columbus, GA-AL · 2018 SOD (annual) · 0.7% share · #10 of 17 inst. · $0.1B of $8.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.73% | 0.05% | 1.12% | 1.20% | 1.15% | 1.09% | 1.13% | +1 bps | |
| Return on Equity | 7.83% | 7.98% | 0.56% | 12.57% | 13.52% | 13.57% | 12.37% | 11.70% | -86 bps | |
| Net Interest Margin | 3.74% | 3.60% | 3.53% | 3.61% | 3.72% | 3.47% | 3.52% | 3.51% | -11 bps | |
| Efficiency Ratio | 71.12% | 71.36% | 70.05% | 63.43% | 60.53% | 60.29% | 58.15% | 59.53% | -390 bps | |
| Non-Interest Burden | 2.52% | 2.45% | 2.32% | 2.12% | 2.12% | 1.96% | 1.92% | 1.97% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.68% | 18.79% | 15.83% | 17.21% | 20.23% | 22.61% | 11.53% | 5.21% | -1,200 bps | |
| Loan Growth (YoY) | 14.66% | 14.43% | 18.49% | 9.33% | 11.67% | 6.55% | 7.06% | 2.80% | -653 bps | |
| Deposit Growth (YoY) | 14.52% | 23.33% | 15.84% | 16.88% | 21.56% | 24.03% | 10.66% | 5.90% | -1,098 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.35% | 0.34% | 0.31% | 0.39% | 0.28% | 0.30% | 0.27% | 0.25% | -14 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.03% | 0.15% | 0.08% | 0.13% | 0.52% | +49 bps | |
| Allowance / Loans | 1.29% | 1.28% | 1.25% | 1.25% | 1.20% | 1.19% | 1.16% | 1.11% | -14 bps | |
| Allowance Coverage of NPLs | 3.6x | 3.8x | 4.0x | 3.2x | 4.3x | 4.0x | 4.3x | 4.5x | +1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.58% | 9.34% | 9.03% | 9.67% | 9.68% | 9.26% | 9.20% | 9.86% | +19 bps | |
| Total Risk-Based Capital | 13.71% | 13.51% | 13.22% | 13.93% | 13.78% | 13.67% | 13.90% | 14.07% | +14 bps | |
| Equity / Assets | 9.36% | 8.92% | 8.82% | 9.03% | 8.77% | 8.21% | 9.44% | 9.85% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.12% | 74.20% | 77.05% | 73.37% | 70.84% | 63.75% | 74.54% | 71.22% | -215 bps | |
| Liquid Assets / Assets | 8.09% | 9.40% | 5.83% | 6.85% | 10.01% | 12.85% | 4.27% | 6.44% | -41 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |