Carrollton, GA · Cert 59010
FDIC · 47 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Carrollton, GA · Cert 59010
FDIC · 47 branches
Q2 2016
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2016 SOD (annual) · 1.5% share · #11 of 91 inst. · $2.3B of $156.2B
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.22% | 0.69% | 0.60% | 0.68% | 0.65% | 1.34% | 1.25% | +65 bps | |
| Return on Equity | 1.84% | 1.85% | 6.06% | 5.33% | 6.01% | 5.75% | 11.92% | 10.82% | +550 bps | |
| Net Interest Margin | 4.22% | 4.13% | 3.95% | 3.79% | 3.69% | 3.48% | 3.94% | 3.99% | +19 bps | |
| Efficiency Ratio | 87.88% | 88.33% | 65.91% | 67.48% | 66.62% | 70.99% | 48.87% | 47.60% | -1,988 bps | |
| Non-Interest Burden | 3.71% | 3.67% | 2.44% | 2.42% | 2.33% | 2.37% | 1.50% | 1.59% | -83 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.66% | 21.18% | 24.57% | 23.93% | 14.90% | 22.65% | 16.08% | 4.25% | -1,968 bps | |
| Loan Growth (YoY) | 39.39% | 37.38% | 34.79% | 31.17% | 21.12% | 29.93% | 22.35% | 11.94% | -1,923 bps | |
| Deposit Growth (YoY) | 37.35% | 25.35% | 26.53% | 22.93% | 11.95% | 28.11% | 24.14% | 7.21% | -1,572 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 | 0.25% | 0.17% | 0.14% | 0.03% | 0.11% | 0.20% | 0.57% | 0.38% | +35 bps | |
| Allowance / Loans | 1.45% | 1.56% | 1.62% | 1.66% | 1.58% | 1.31% | 1.28% | 1.36% | -30 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 | n/a | n/a | 10.88% | 10.68% | 10.57% | 9.69% | 10.22% | 10.89% | +21 bps | |
| Total Risk-Based Capital | 15.05% | 14.73% | 13.30% | 12.64% | 12.82% | 11.86% | 12.37% | 13.04% | +40 bps | |
| Equity / Assets | 11.51% | 11.44% | 11.35% | 11.28% | 11.36% | 10.92% | 11.60% | 12.29% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.32% | 84.15% | 88.73% | 90.60% | 91.23% | 85.35% | 87.45% | 94.60% | +400 bps | |
| Liquid Assets / Assets | 6.32% | 7.41% | 4.94% | 4.80% | 4.23% | 6.28% | 5.03% | 3.34% | -146 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |