Lawrenceville, GA · Cert 878
FDIC · 9 branches
Q2 2018
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2018 SOD (annual) · 1.0% share · #14 of 89 inst. · $1.8B of $173.1B
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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.15% | 0.71% | 0.90% | 0.96% | 0.69% | 1.11% | -0.36% | -126 bps | |
| Return on Equity | 8.00% | 1.52% | 7.49% | 9.37% | 9.90% | 7.08% | 11.43% | -3.67% | -1,305 bps | |
| Net Interest Margin | 3.42% | 3.35% | 3.53% | 3.72% | 3.79% | 3.79% | 4.29% | 4.56% | +84 bps | |
| Efficiency Ratio | 76.46% | 80.96% | 78.56% | 74.60% | 72.89% | 71.87% | 72.43% | 97.49% | +2,289 bps | |
| Non-Interest Burden | 2.07% | 2.33% | 2.34% | 2.20% | 2.16% | 2.14% | 2.72% | 4.43% | +224 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.66% | 7.27% | 1.67% | -2.87% | -2.82% | 0.25% | 5.67% | -2.94% | -7 bps | |
| Loan Growth (YoY) | 10.82% | -3.83% | -3.57% | -7.60% | -5.51% | 10.32% | 7.72% | -4.19% | +341 bps | |
| Deposit Growth (YoY) | 10.95% | 12.55% | 5.94% | -3.08% | -9.15% | -8.47% | -3.44% | -4.51% | -143 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 2.78% | 2.69% | 2.53% | 2.63% | 2.05% | 0.31% | -238 bps | |
| Net Charge-Offs / Loans | 0.39% | 1.23% | 0.12% | 0.12% | 0.14% | 0.19% | 0.13% | 1.06% | +93 bps | |
| Allowance / Loans | 0.95% | 1.11% | 1.09% | 1.06% | 1.02% | 0.92% | 0.92% | 0.88% | -18 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 0.4x | 0.4x | 0.4x | 0.4x | 0.4x | 2.8x | +2.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.45% | 8.66% | 9.24% | 9.91% | 10.26% | 10.02% | 10.05% | 9.62% | -29 bps | |
| Total Risk-Based Capital | 11.47% | 12.13% | 12.29% | 12.47% | 12.54% | 12.18% | 12.42% | 12.77% | +29 bps | |
| Equity / Assets | 9.64% | 9.16% | 9.73% | 9.98% | 10.06% | 9.68% | 9.76% | 10.04% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.85% | 85.57% | 91.76% | 99.18% | 102.81% | 103.14% | 102.36% | 99.51% | +33 bps | |
| Liquid Assets / Assets | 4.33% | 13.45% | 8.04% | 5.13% | 4.94% | 4.24% | 5.27% | 5.43% | +30 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |