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Brand Banking Company, The

Lawrenceville, GA · Cert 878

FDIC · 9 branches

Q2 2018

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2018, the quarter ended June 30, 2018, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Brand Banking Company, The

Lawrenceville, GA · Cert 878

FDIC · 9 branches

Q2 2018

$2.2BAssets
$1.8BLoans
$1.8BDeposits
$225.3MEquity
Loan mix
51%RE $709.9M24%C&I $333.6M25%Consumer $339.6MQ2 2017Q2 2018
Deposit mix
78%Interest-bearing $1.4B22%Noninterest $0.4BQ2 2017Q2 2018

NIM

4.09%Q2 ’164.33%Q2 ’175.29%Q2 ’18+6%+23%

Non-interest income vs. expense

4.43%Q2 ’164.45%Q2 ’174.61%Q2 ’18+9%+102%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2018 SOD (annual) · 1.0% share · #14 of 89 inst. · $1.8B of $173.1B

9.9% Gwinnett
6.3% Barrow
1.3% Hall

Executive Summary

  • Earnings: ROA of -0.36%, down 126 bps year over year; NIM at 4.56%.
  • Asset quality: problem loans at 0.31% of loans (-238 bps YoY), with net charge-offs at 1.06%.
  • Capital: tier 1 leverage ratio of 9.62%, down 29 bps from a year ago.
  • Funding: loans stand at 99.51% of deposits as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

-0.36%-126 bps YoY

Net Interest Margin (YTD, annualized)

4.56%+84 bps YoY

Efficiency Ratio (YTD, annualized)

97.49%+2,289 bps YoY

Tier 1 Leverage Ratio

9.62%-29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets0.90%0.96%0.69%1.11%-0.36%-126 bps
Return on Equity9.37%9.90%7.08%11.43%-3.67%-1,305 bps
Net Interest Margin3.72%3.79%3.79%4.29%4.56%+84 bps
Efficiency Ratio74.60%72.89%71.87%72.43%97.49%+2,289 bps
Non-Interest Burden2.20%2.16%2.14%2.72%4.43%+224 bps
Growth
Asset Growth (YoY)-2.87%-2.82%0.25%5.67%-2.94%-7 bps
Loan Growth (YoY)-7.60%-5.51%10.32%7.72%-4.19%+341 bps
Deposit Growth (YoY)-3.08%-9.15%-8.47%-3.44%-4.51%-143 bps
Asset Quality
Nonperforming Loans / Loans2.69%2.53%2.63%2.05%0.31%-238 bps
Net Charge-Offs / Loans0.12%0.14%0.19%0.13%1.06%+93 bps
Allowance / Loans1.06%1.02%0.92%0.92%0.88%-18 bps
Allowance Coverage of NPLs0.4x0.4x0.4x0.4x2.8x+2.4x
Capital
Tier 1 Leverage Ratio9.91%10.26%10.02%10.05%9.62%-29 bps
Total Risk-Based Capital12.47%12.54%12.18%12.42%12.77%+29 bps
Equity / Assets9.98%10.06%9.68%9.76%10.04%+7 bps
Liquidity & Funding
Loans / Deposits99.18%102.81%103.14%102.36%99.51%+33 bps
Liquid Assets / Assets5.13%4.94%4.24%5.27%5.43%+30 bps
CRE / Total Capitaln/an/an/an/an/an/an/a