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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.95% | 1.01% | 1.35% | 0.27% | 0.71% | -24 bps | |
| Return on Equity | 8.46% | 8.94% | 11.86% | 2.27% | 5.86% | -260 bps | |
| Net Interest Margin | 3.86% | 3.81% | 3.68% | 4.10% | 4.14% | +28 bps | |
| Efficiency Ratio | 61.89% | 59.97% | 51.10% | 62.10% | 64.66% | +277 bps | |
| Non-Interest Burden | 2.12% | 1.98% | 1.18% | 2.33% | 2.46% | +35 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.12% | 10.28% | 9.47% | 5.92% | 8.00% | -112 bps | |
| Loan Growth (YoY) | 23.02% | 26.00% | 22.79% | 14.60% | 9.38% | -1,364 bps | |
| Deposit Growth (YoY) | 9.42% | 6.96% | 5.70% | 2.82% | 6.07% | -335 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.50% | 1.43% | 0.71% | 0.05% | 0.04% | -145 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.03% | 0.51% | 1.76% | 0.86% | +90 bps | |
| Allowance / Loans | 1.33% | 1.35% | 1.08% | 1.07% | 1.10% | -23 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.9x | 1.5x | 21.9x | 25.3x | +24.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.72% | 10.59% | 10.69% | 11.00% | 11.17% | +45 bps | |
| Total Risk-Based Capital | 11.79% | 11.69% | 12.08% | 12.41% | 12.69% | +90 bps | |
| Equity / Assets | 12.06% | 11.64% | 11.78% | 12.21% | 12.09% | +3 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.68% | 98.89% | 97.83% | 102.86% | 99.70% | +302 bps | |
| Liquid Assets / Assets | 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 |