Braselton, GA · Cert 58736
FDIC · 2 branches
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 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.
Braselton, GA · Cert 58736
FDIC · 2 branches
Q3 2016
Market Position · Gainesville, GA · 2016 SOD (annual) · 2.6% share · #13 of 18 inst. · $0.1B of $3.2B
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 0.85% | 0.86% | 0.88% | 0.91% | 0.91% | 0.91% | 0.86% | -2 bps | |
| Return on Equity | 7.29% | 6.64% | 6.85% | 7.06% | 7.28% | 7.19% | 7.19% | 6.75% | -31 bps | |
| Net Interest Margin | 3.72% | 3.56% | 3.43% | 3.45% | 3.51% | 3.76% | 3.82% | 3.78% | +34 bps | |
| Efficiency Ratio | 62.55% | 66.06% | 65.28% | 64.52% | 64.20% | 65.45% | 64.36% | 65.63% | +111 bps | |
| Non-Interest Burden | 2.28% | 2.31% | 2.20% | 2.18% | 2.21% | 2.43% | 2.41% | 2.44% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.79% | 6.72% | 10.00% | 13.21% | 9.06% | 5.88% | 2.09% | 2.35% | -1,086 bps | |
| Loan Growth (YoY) | 3.61% | 6.83% | 13.66% | 6.37% | 13.40% | 14.67% | 15.09% | 21.27% | +1,490 bps | |
| Deposit Growth (YoY) | 1.79% | 4.23% | 8.79% | 12.60% | 10.28% | 6.39% | -1.66% | 2.09% | -1,051 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 | 0.00% | 0.02% | 0.01% | 0.01% | 0.01% | 0.00% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 1.37% | 1.35% | 1.25% | 1.29% | 1.20% | 1.18% | 1.12% | 1.13% | -16 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 | 12.84% | 12.15% | 12.21% | 12.53% | 12.75% | 13.04% | 12.80% | +59 bps | |
| Total Risk-Based Capital | 19.04% | 19.03% | 17.78% | 19.10% | 18.09% | 17.86% | 16.33% | 16.59% | -251 bps | |
| Equity / Assets | 12.88% | 12.82% | 11.86% | 12.18% | 12.50% | 12.79% | 12.74% | 12.88% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.05% | 83.72% | 83.64% | 81.25% | 88.49% | 90.23% | 97.88% | 96.52% | +1,527 bps | |
| Liquid Assets / Assets | 5.42% | 7.97% | 8.15% | 9.92% | 3.35% | 3.06% | 2.44% | 2.86% | -706 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |