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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 1.54% | 2.11% | 1.30% | 1.30% | 1.75% | 1.37% | 1.79% | +49 bps | |
| Return on Equity | 10.47% | 12.72% | 17.99% | 11.33% | 11.33% | 15.14% | 12.08% | 15.79% | +446 bps | |
| Net Interest Margin | 4.09% | 4.48% | 4.00% | 4.07% | 4.29% | 4.45% | 4.42% | 4.16% | +9 bps | |
| Efficiency Ratio | 69.04% | 65.20% | 57.94% | 70.44% | 70.99% | 64.51% | 70.11% | 63.26% | -718 bps | |
| Non-Interest Burden | 2.75% | 2.88% | 1.88% | 2.77% | 2.97% | 2.66% | 3.04% | 2.40% | -37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.15% | 15.34% | 21.20% | 21.43% | 16.47% | 11.45% | 7.34% | 5.23% | -1,620 bps | |
| Loan Growth (YoY) | 13.00% | 15.18% | 15.16% | 29.48% | 23.51% | 18.68% | 12.48% | 7.17% | -2,231 bps | |
| Deposit Growth (YoY) | 7.00% | 14.90% | 21.07% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.62% | 1.51% | 1.45% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.93% | 12.86% | 12.06% | 11.47% | 11.81% | 11.69% | 11.33% | 11.41% | -6 bps | |
| Total Risk-Based Capital | 16.42% | 15.64% | 15.61% | 14.92% | 14.57% | 14.71% | 14.46% | 15.14% | +22 bps | |
| Equity / Assets | 12.27% | 11.90% | 11.54% | 11.38% | 11.50% | 11.66% | 10.96% | 11.67% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.13% | 99.45% | 94.90% | 99.46% | 102.86% | 104.67% | 98.24% | 101.26% | +180 bps | |
| Liquid Assets / Assets | 12.23% | 10.76% | 14.58% | 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 | n/a | n/a | n/a |