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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.55% | 0.76% | 0.79% | 0.80% | 0.78% | 0.67% | 0.82% | +3 bps | |
| Return on Equity | 5.36% | 4.20% | 6.12% | 6.72% | 7.00% | 6.86% | 5.71% | 6.76% | +4 bps | |
| Net Interest Margin | 3.84% | 3.64% | 3.42% | 3.37% | 3.38% | 3.38% | 3.65% | 3.72% | +35 bps | |
| Efficiency Ratio | 66.07% | 71.52% | 62.36% | 60.77% | 61.51% | 63.40% | 68.29% | 83.46% | +2,269 bps | |
| Non-Interest Burden | 2.51% | 2.59% | 2.10% | 2.01% | 2.05% | 2.13% | 2.47% | 3.10% | +109 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 |