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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.60% | 0.68% | 0.65% | 1.34% | 1.25% | +65 bps | |
| Return on Equity | 5.33% | 6.01% | 5.75% | 11.92% | 10.82% | +550 bps | |
| Net Interest Margin | 3.79% | 3.69% | 3.48% | 3.94% | 3.99% | +19 bps | |
| Efficiency Ratio | 67.48% | 66.62% | 70.99% | 48.87% | 47.60% | -1,988 bps | |
| Non-Interest Burden | 2.42% | 2.33% | 2.37% | 1.50% | 1.59% | -83 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 23.93% | 14.90% | 22.65% | 16.08% | 4.25% | -1,968 bps | |
| Loan Growth (YoY) | 31.17% | 21.12% | 29.93% | 22.35% | 11.94% | -1,923 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.11% | 0.20% | 0.57% | 0.38% | +35 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.68% | 10.57% | 9.69% | 10.22% | 10.89% | +21 bps | |
| Total Risk-Based Capital | 12.64% | 12.82% | 11.86% | 12.37% | 13.04% | +40 bps | |
| Equity / Assets | 11.28% | 11.36% | 10.92% | 11.60% | 12.29% | +101 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.60% | 91.23% | 85.35% | 87.45% | 94.60% | +400 bps | |
| Liquid Assets / Assets | 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 |