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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.88% | 0.91% | 0.91% | 0.91% | 0.86% | -2 bps | |
| Return on Equity | 7.06% | 7.28% | 7.19% | 7.19% | 6.75% | -31 bps | |
| Net Interest Margin | 3.45% | 3.51% | 3.76% | 3.82% | 3.78% | +34 bps | |
| Efficiency Ratio | 64.52% | 64.20% | 65.45% | 64.36% | 65.63% | +111 bps | |
| Non-Interest Burden | 2.18% | 2.21% | 2.43% | 2.41% | 2.44% | +26 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.21% | 9.06% | 5.88% | 2.09% | 2.35% | -1,086 bps | |
| Loan Growth (YoY) | 6.37% | 13.40% | 14.67% | 15.09% | 21.27% | +1,490 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.21% | 12.53% | 12.75% | 13.04% | 12.80% | +59 bps | |
| Total Risk-Based Capital | 19.10% | 18.09% | 17.86% | 16.33% | 16.59% | -251 bps | |
| Equity / Assets | 12.18% | 12.50% | 12.79% | 12.74% | 12.88% | +70 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.25% | 88.49% | 90.23% | 97.88% | 96.52% | +1,527 bps | |
| Liquid Assets / Assets | 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 |