Marietta, GA · Cert 58705
FDIC · 3 branches
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, 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.
Marietta, GA · Cert 58705
FDIC · 3 branches
Q2 2018
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2018 SOD (annual) · 0.3% share · #26 of 89 inst. · $0.5B 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 | 1.01% | 0.99% | 0.90% | 0.95% | 1.01% | 1.35% | 0.27% | 0.71% | -24 bps | |
| Return on Equity | 8.77% | 8.75% | 8.38% | 8.46% | 8.94% | 11.86% | 2.27% | 5.86% | -260 bps | |
| Net Interest Margin | 3.57% | 3.47% | 3.80% | 3.86% | 3.81% | 3.68% | 4.10% | 4.14% | +28 bps | |
| Efficiency Ratio | 60.87% | 60.91% | 62.04% | 61.89% | 59.97% | 51.10% | 62.10% | 64.66% | +277 bps | |
| Non-Interest Burden | 1.85% | 1.80% | 2.05% | 2.12% | 1.98% | 1.18% | 2.33% | 2.46% | +35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.56% | 18.28% | 11.79% | 9.12% | 10.28% | 9.47% | 5.92% | 8.00% | -112 bps | |
| Loan Growth (YoY) | 18.09% | 15.63% | 22.25% | 23.02% | 26.00% | 22.79% | 14.60% | 9.38% | -1,364 bps | |
| Deposit Growth (YoY) | 20.05% | 21.27% | 13.71% | 9.42% | 6.96% | 5.70% | 2.82% | 6.07% | -335 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 1.76% | 1.50% | 1.43% | 0.71% | 0.05% | 0.04% | -145 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | -0.02% | -0.04% | -0.03% | 0.51% | 1.76% | 0.86% | +90 bps | |
| Allowance / Loans | 1.22% | 1.30% | 1.32% | 1.33% | 1.35% | 1.08% | 1.07% | 1.10% | -23 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 0.7x | 0.9x | 0.9x | 1.5x | 21.9x | 25.3x | +24.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.50% | 9.29% | 9.65% | 10.72% | 10.59% | 10.69% | 11.00% | 11.17% | +45 bps | |
| Total Risk-Based Capital | 11.35% | 11.03% | 10.87% | 11.79% | 11.69% | 12.08% | 12.41% | 12.69% | +90 bps | |
| Equity / Assets | 11.11% | 10.60% | 10.96% | 12.06% | 11.64% | 11.78% | 12.21% | 12.09% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.95% | 84.21% | 92.29% | 96.68% | 98.89% | 97.83% | 102.86% | 99.70% | +302 bps | |
| Liquid Assets / Assets | 9.17% | 9.04% | 3.64% | 2.18% | 1.93% | 3.71% | 1.63% | 5.10% | +291 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |