Atlanta, GA · Cert 58750
FDIC · 2 branches
Q2 2017
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2017 SOD (annual) · 0.1% share · #51 of 88 inst. · $0.1B of $166.9B
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.71% | 1.57% | 1.62% | 1.37% | 1.58% | -12 bps | |
| Return on Equity | 14.71% | 13.54% | 13.94% | 12.08% | 13.86% | -84 bps | |
| Net Interest Margin | 3.97% | 4.08% | 4.03% | 4.42% | 4.22% | +25 bps | |
| Efficiency Ratio | 63.88% | 66.22% | 65.75% | 70.11% | 66.56% | +269 bps | |
| Non-Interest Burden | 2.29% | 2.52% | 2.47% | 3.04% | 2.67% | +38 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 21.43% | 16.47% | 11.45% | 7.34% | 5.23% | -1,620 bps | |
| Loan Growth (YoY) | 29.48% | 23.51% | 18.68% | 12.48% | 7.17% | -2,231 bps | |
| Deposit Growth (YoY) | 22.41% | 19.02% | 12.76% | 8.65% | 5.26% | -1,715 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.38% | 1.31% | 1.28% | 1.31% | 1.31% | -8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.47% | 11.81% | 11.69% | 11.33% | 11.41% | -6 bps | |
| Total Risk-Based Capital | 14.92% | 14.57% | 14.71% | 14.46% | 15.14% | +22 bps | |
| Equity / Assets | 11.38% | 11.50% | 11.66% | 10.96% | 11.67% | +29 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.46% | 102.86% | 104.67% | 98.24% | 101.26% | +180 bps | |
| Liquid Assets / Assets | 11.13% | 8.30% | 6.54% | 11.66% | 10.18% | -95 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |