Gainesville, GA · Cert 58810
FDIC · 1 branch
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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.
Gainesville, GA · Cert 58810
FDIC · 1 branch
Q3 2017
Market Position · Gainesville, GA · 2017 SOD (annual) · 4.6% share · #8 of 18 inst. · $0.2B of $3.5B
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.55% | 0.65% | 0.71% | 0.73% | 0.78% | 0.72% | 0.76% | +5 bps | |
| Return on Equity | 3.61% | 4.20% | 5.17% | 5.69% | 6.03% | 6.86% | 6.28% | 6.44% | +75 bps | |
| Net Interest Margin | 3.38% | 3.64% | 3.37% | 3.24% | 3.20% | 3.38% | 3.56% | 3.61% | +37 bps | |
| Efficiency Ratio | 72.34% | 71.52% | 66.85% | 64.73% | 63.88% | 63.40% | 65.90% | 71.92% | +719 bps | |
| Non-Interest Burden | 2.43% | 2.59% | 2.23% | 2.07% | 2.02% | 2.13% | 2.33% | 2.58% | +51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.95% | 11.72% | 26.26% | 25.05% | 24.49% | 21.66% | 5.64% | 1.07% | -2,398 bps | |
| Loan Growth (YoY) | 35.46% | 33.48% | 25.05% | 19.58% | 16.12% | 12.50% | 11.86% | 7.13% | -1,244 bps | |
| Deposit Growth (YoY) | 31.99% | 9.01% | 34.97% | 32.92% | 31.74% | 35.91% | 12.58% | 12.00% | -2,092 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 | 1.05% | 1.05% | 1.04% | 1.04% | 1.04% | 1.04% | 1.04% | 1.05% | +1 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 | 14.70% | 13.21% | 12.25% | 11.75% | 11.60% | 11.49% | 12.00% | 12.20% | +45 bps | |
| Total Risk-Based Capital | 15.43% | 15.01% | 14.42% | 14.15% | 14.12% | 14.04% | 14.05% | 14.51% | +35 bps | |
| Equity / Assets | 13.21% | 13.17% | 11.78% | 11.80% | 11.19% | 11.50% | 11.86% | 12.44% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.51% | 112.98% | 100.17% | 101.76% | 96.52% | 93.52% | 99.53% | 97.34% | -442 bps | |
| Liquid Assets / Assets | 0.16% | 0.02% | 0.30% | 2.54% | 2.57% | 2.80% | 3.15% | 5.53% | +298 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |