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 (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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.00% | 1.15% | 2.32% | 0.27% | 1.15% | +15 bps | |
| Return on Equity | 8.66% | 9.69% | 19.80% | 2.27% | 9.45% | +79 bps | |
| Net Interest Margin | 3.96% | 4.04% | 4.00% | 4.10% | 4.22% | +26 bps | |
| Efficiency Ratio | 61.74% | 56.59% | 36.17% | 62.10% | 67.10% | +536 bps | |
| Non-Interest Burden | 2.21% | 1.87% | -0.86% | 2.33% | 2.62% | +41 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 | -0.06% | 0.00% | 2.14% | 1.76% | -0.04% | +2 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 |