GEORGIA BANKS - PERFORMANCE COMPARISON - DECEMBER 31, 2016
www.thebankadvisors.com
Sub
S
Institution
City
Total
Assets
$
YTD
Net
Income
$
ROAA
(%)
ROAE
(%)
NIM
(%)
Leverage
Ratio
(%)
Total
RBC
(%)
Liquidity
(%)
YTD
Provision
$
YTD
Recoveries
$
YTD
C/O's
$
ALLL/
Loans
(%)
NPAs/
Assets
(%)
State Summary
North - Total/Average
East - Total/Average
Atlanta Metro - Total/Average
Central - Total/Average
Southwest - Total/Average
Southeast - Total/Average
13,437,638
3,754,958
23,276,603
7,888,232
19,999,175
7,698,574
136,018
39,190
199,760
81,485
216,885
97,082
0.97
1.03
0.70
0.94
0.89
1.10
9.13
9.47
5.89
5.76
8.78
10.68
4.10
3.56
3.89
4.22
4.15
3.95
10.36
11.06
9.33
11.80
11.77
11.11
17.38
20.81
14.62
17.78
21.03
20.04
22.19
32.64
23.54
22.81
25.64
27.63
664
1,858
38,342
5,818
17,381
10,542
7,544
1,068
16,337
6,536
12,764
9,449
15,302
2,436
51,091
13,387
24,290
22,214
0.98
1.54
1.15
1.24
1.11
1.86
0.43
1.36
1.66
1.27
1.47
1.70
State Total
76,055,180
770,420
0.94
8.28
3.98
10.91
18.61
25.74
74,605
53,698
128,720
1.20
1.34
North
Chattanooga, TN-GA (Metro)
Bank of Dade
Bank of LaFayette, Georgia
Capital Bank
Citizens Bank & Trust, Inc.
Yes
No
Yes
No
Trenton
Lafayette
Fort Oglethorpe
Trenton
99,420
239,176
116,042
100,238
1,374
1,627
1,452
1,096
1.41
0.70
1.28
1.09
11.72
5.15
12.61
9.85
3.73
3.19
4.56
5.05
12.18
13.45
10.45
10.85
27.55
33.09
15.11
19.16
43.75
30.24
20.97
21.38
252
328
98
89
23
302
94
52
208
0.83
1.34
1.48
1.49
0.47
1.04
0.32
0.50
American Commerce Bank, National Association
Total/Average
No
Bremen
228,964
783,840
2,074
7,623
1.00
1.10
8.61
9.59
4.01
4.11
11.07
11.60
14.57
21.90
9.97
25.26
455
707
319
857
45
701
1.32
1.33
0.97
0.77
No
No
Dalton
Chatsworth
298,985
149,391
3,546
1,570
1.40
1.08
17.17
7.78
4.18
3.91
7.97
11.31
11.33
18.50
17.92
21.09
(428)
214
125
464
49
1.94
1.28
0.87
1.76
448,376
5,116
1.24
12.48
4.05
9.64
14.92
19.51
(428)
339
513
1.74
1.16
Dalton, GA (Metro)
First Bank
First National Community Bank
Total/Average
Rome, GA (Metro)
Greater Community Bank
Heritage First Bank
River City Bank
Yes
Yes
Rome
Rome
143,476
121,788
1,282
457
0.95
0.41
9.22
3.75
5.01
5.34
10.55
10.31
12.47
13.28
15.99
11.22
90
363
89
46
74
216
0.98
0.83
0.74
0.59
No
Rome
160,036
425,300
627
2,366
0.42
0.59
4.01
5.66
3.70
4.68
8.70
9.85
12.41
12.72
26.05
17.75
210
663
26
161
410
700
1.34
1.05
1.54
1.00
No
No
No
No
No
No
Tyrone
Cleveland
Calhoun
Summerville
Clarkesville
Blairsville
558,389
202,470
120,451
60,683
143,517
10,694,612
10,925
1,328
851
121
1,258
106,430
2.00
0.75
0.72
0.20
0.93
1.06
19.33
7.47
6.09
1.78
8.84
9.24
3.57
3.72
3.61
2.59
4.43
3.55
9.26
9.67
11.82
11.42
10.20
9.63
14.31
16.00
21.74
40.59
13.69
13.53
18.85
19.25
26.59
60.07
16.45
16.11
144
12
(400)
12
214
(260)
295
102
181
2
13
5,594
725
6
201
57
39
12,360
0.94
1.60
1.74
2.05
1.67
0.89
1.32
1.53
0.45
1.62
0.86
0.28
11,780,122
120,913
0.94
8.79
3.58
10.33
19.98
26.22
(278)
6,187
13,388
0.92
0.36
13,437,638
136,018
0.97
9.13
4.10
10.36
17.38
22.19
664
7,544
15,302
0.98
0.43
Total/Average
Other
SouthCrest Bank NA
Mountain Valley Community Bank
North Georgia National Bank
Southeast First National Bank
Southern Bank & Trust
United Community Bank
Total/Average
North - Total/Average
Source: SNL Financial
[email protected]
[email protected] [email protected]
[email protected] [email protected] [email protected]
[email protected]
GEORGIA BANKS - PERFORMANCE COMPARISON - DECEMBER 31, 2016
www.thebankadvisors.com
Institution
Sub
S
City
Yes
No
No
No
Crawford
Athens
Athens
Watkinsville
Total
Assets
$
YTD
Net
Income
$
ROAA
(%)
ROAE
(%)
NIM
(%)
Leverage
Ratio
(%)
Total
RBC
(%)
Liquidity
(%)
YTD
Provision
$
YTD
Recoveries
$
YTD
C/O's
$
ALLL/
Loans
(%)
NPAs/
Assets
(%)
East
Athens-Clarke County, GA (Metro)
Commercial Bank
First American Bank and Trust Company
First Madison Bank & Trust
Oconee State Bank
Total/Average
151,269
473,932
195,209
335,397
2,699
4,133
3,008
2,521
2.04
0.85
1.59
0.80
18.50
8.64
12.96
8.53
4.16
3.21
4.47
3.34
10.15
10.01
12.69
8.87
17.38
16.71
17.68
16.97
21.32
26.04
22.15
33.39
204
60
329
169
21
110
17
76
100
45
152
47
2.67
1.38
5.10
1.38
0.79
1.15
0.00
0.26
1,155,807
12,361
1.32
12.16
3.80
10.43
17.19
25.73
762
224
344
2.38
0.65
197,766
117,957
170,508
1,306
1,267
1,110
0.73
1.05
0.64
6.03
12.90
6.80
3.65
2.03
3.65
11.60
8.34
8.64
14.12
36.30
13.69
22.60
74.21
24.78
217
45
-
1
71
3
207
1.04
1.53
1.32
0.00
0.21
0.97
486,231
3,683
0.81
8.58
3.11
9.53
21.37
40.53
262
72
210
1.19
0.39
219,362
23,066
255,263
126,226
181,142
458,846
849,015
2,267
69
2,612
1,682
688
4,982
10,846
1.07
0.31
1.04
1.31
0.35
1.10
1.51
7.62
1.40
6.31
8.93
4.59
11.45
13.40
3.89
3.91
4.09
4.15
2.93
2.99
4.47
13.58
21.61
15.53
14.29
7.78
10.59
9.24
21.65
43.35
25.86
25.10
20.22
19.90
10.95
27.40
28.07
32.07
30.59
59.54
35.77
8.29
34
800
20
137
75
5
95
440
144
295
279
29
146
989
1.43
0.23
2.07
0.90
1.71
1.69
0.71
2.24
0.37
1.91
1.99
7.25
1.62
1.00
2,112,920
23,146
0.96
7.67
3.78
13.23
23.86
31.68
834
772
1,882
1.15
1.96
3,754,958
39,190
1.03
9.47
3.56
11.06
20.81
32.64
1,858
1,068
2,436
1.54
1.36
Gainesville, GA (Metro)
Chattahoochee Bank of Georgia
First Century Bank, National Association
Peach State Bank & Trust
No
No
No
Gainesville
Gainesville
Gainesville
Total/Average
Other
Bank of Madison
Elberton Federal Savings & Loan Association
F&M Bank
Farmers State Bank
First Covenant Bank
Northeast Georgia Bank
Pinnacle Bank
No
No
No
Yes
No
Yes
Yes
Total/Average
East - Total/Average
Source: SNL Financial
Madison
Elberton
Washington
Lincolnton
Commerce
Lavonia
Elberton
[email protected]
[email protected] [email protected]
[email protected] [email protected] [email protected]
[email protected]
GEORGIA BANKS - PERFORMANCE COMPARISON - DECEMBER 31, 2016
www.thebankadvisors.com
Institution
Sub
S
City
Total
Assets
$
YTD
Net
Income
$
ROAA
(%)
ROAE
(%)
NIM
(%)
Leverage
Ratio
(%)
Total
RBC
(%)
Liquidity
(%)
YTD
Provision
$
YTD
Recoveries
$
YTD
C/O's
$
ALLL/
Loans
(%)
NPAs/
Assets
(%)
Atlanta Metro (Excludes Suntrust)
Affinity Bank
Bank of Monticello
Brand Banking Company
Century Bank of Georgia
Citizens Bank of Forsyth County
Citizens Trust Bank
Community Bank of Pickens County
Cornerstone Bank
Embassy National Bank
F & M Bank and Trust Company
Fidelity Bank
First Bank of Pike
Foothills Community Bank
First Intercontinental Bank
First Landmark Bank
First National Bank of Griffin
Georgia Banking Company
Georgia Heritage Bank
Georgia Primary Bank
Gwinnett Community Bank
Hamilton State Bank
Heritage Bank
Legacy State Bank
Liberty First Bank
Metro City Bank
Newton Federal Bank
NOA Bank
Northside Bank
Peoples Bank & Trust
American Commerce Bank, National Association
Piedmont Bank
Private Bank of Buckhead
Providence Bank
Quantum National Bank
RBC Bank (Georgia), National Association
Source: SNL Financial
No
Yes
No
No
No
No
No
No
Yes
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Yes
No
No
Yes
No
No
No
No
Yes
No
No
No
Atlanta
Monticello
Lawrenceville
Cartersville
Cumming
Atlanta
Jasper
Atlanta
Lawrenceville
Manchester
Atlanta
Molena
Dawsonville
Doraville
Marietta
Griffin
Atlanta
Dallas
Atlanta
Duluth
Hoschton
Jonesboro
Loganville
Monroe
Doraville
Covington
Duluth
Adairsville
Buford
Bremen
Norcross
Atlanta
Alpharetta
Suwanee
Raleigh
244,600
103,214
2,395,257
175,665
290,378
394,849
325,522
243,216
107,744
77,213
4,384,678
42,829
82,967
325,680
543,942
251,454
438,899
79,310
166,134
315,605
1,840,636
428,656
77,491
125,959
1,102,606
239,382
279,853
136,104
277,562
228,964
552,238
322,462
105,774
404,272
3,837,573
(1,476)
1,658
3,594
2,050
2,776
2,406
1,967
1,080
1,963
650
39,381
(630)
(3,031)
7,218
4,965
851
3,719
873
1,740
367
18,813
7,148
(372)
1,476
20,328
1,262
8,326
(3,670)
2,152
2,074
4,741
4,476
172
7,773
22,482
(0.57)
1.64
0.15
1.19
0.97
0.59
0.60
0.45
1.97
0.81
0.94
(1.47)
(3.87)
2.27
0.99
0.34
0.91
1.15
1.09
0.11
1.05
1.74
(0.48)
1.26
2.44
0.55
3.21
(2.94)
0.79
1.00
0.94
1.44
0.16
2.04
0.63
(8.29)
21.20
1.60
11.31
10.61
4.78
6.42
11.99
18.56
15.95
10.89
(14.34)
(48.46)
14.07
8.73
6.74
12.00
14.04
9.65
3.83
8.65
19.88
(8.53)
10.87
21.23
2.82
24.77
(61.91)
8.22
8.61
7.94
17.69
1.50
18.45
8.55
3.04
3.79
3.68
3.40
3.63
3.20
4.08
3.34
5.27
4.24
3.35
4.94
4.19
4.13
3.90
3.22
3.54
5.07
3.79
2.59
4.35
3.90
3.40
3.86
4.86
4.31
4.43
3.36
3.45
4.01
4.11
5.20
3.79
4.76
1.73
4.71
8.58
8.67
10.62
9.03
10.80
9.41
4.51
10.56
5.21
8.14
9.15
9.01
16.31
9.29
5.17
7.49
8.45
11.36
2.95
11.75
8.04
5.14
12.08
10.16
19.48
11.73
4.51
9.20
11.07
9.83
8.15
7.47
11.66
7.35
6.33
16.68
12.14
22.80
14.83
17.41
13.88
8.92
18.11
8.43
11.91
17.51
12.96
21.07
11.03
10.52
13.26
12.00
14.30
5.38
16.64
11.54
7.95
17.79
14.48
32.12
14.30
8.38
16.51
14.57
11.30
10.86
10.03
14.65
26.92
7.45
28.85
18.89
40.89
37.02
21.13
13.55
25.85
28.97
12.31
4.72
39.01
28.43
20.39
21.94
44.68
5.40
11.07
23.56
25.51
21.07
15.54
20.20
34.62
9.46
17.12
16.41
37.85
36.26
9.97
9.22
7.19
12.72
12.08
81.36
(500)
20,000
(1,000)
(62)
2,265
(593)
35
30
8,230
420
68
1,250
69
219
553
(750)
1,868
420
321
107
42
433
1,106
455
1,325
547
75
204
210
295
1,410
200
867
594
62
1,077
19
10
4,849
4
17
648
72
35
80
25
165
547
370
151
65
2
81
648
123
230
319
6
5
19
51
441
15
251
23,589
106
97
824
2,046
347
620
9,016
422
343
863
106
184
61
338
527
2,499
52
368
4
137
2,134
55
1,307
428
45
153
123
20
1,378
1.29
1.16
1.22
1.58
1.57
0.87
1.26
1.89
2.45
1.21
0.90
1.18
1.53
1.77
1.31
1.33
1.23
1.70
1.60
1.77
0.96
1.25
1.25
1.07
0.68
2.22
1.23
1.98
1.25
1.32
1.03
1.24
1.62
1.27
0.78
1.52
0.89
2.90
0.72
0.10
1.01
6.92
5.47
2.15
7.27
1.14
3.01
3.23
0.40
0.39
0.77
1.50
4.76
5.55
12.78
0.93
1.76
6.75
2.01
0.04
2.16
0.21
8.14
6.65
0.97
1.40
0.11
19.11
0.07
0.06
[email protected]
[email protected] [email protected]
[email protected] [email protected] [email protected]
[email protected]
GEORGIA BANKS - PERFORMANCE COMPARISON - DECEMBER 31, 2016
www.thebankadvisors.com
Sub
S
Institution
Resurgens Bank
Signature Bank of Georgia
State Bank of Georgia
Talbot State Bank
Touchmark National Bank
United Bank
Vinings Bank
WestSide Bank
Yes
No
No
Yes
No
Yes
No
No
City
Tucker
Sandy Springs
Fayetteville
Woodland
Alpharetta
Zebulon
Smyrna
Hiram
Atlanta Metro - Total/Average
Total
Assets
$
160,761
105,837
81,158
68,359
277,461
1,246,496
270,668
117,175
23,276,603
YTD
Net
Income
$
2,500
(735)
672
175
2,305
22,027
3,509
5
199,760
ROAA
(%)
ROAE
(%)
NIM
(%)
Leverage
Ratio
(%)
Total
RBC
(%)
Liquidity
(%)
YTD
Provision
$
YTD
Recoveries
$
YTD
C/O's
$
ALLL/
Loans
(%)
NPAs/
Assets
(%)
1.62
(0.72)
0.86
0.25
1.00
1.85
1.29
-
13.94
(6.83)
5.77
3.11
7.41
17.46
12.48
0.05
4.34
4.22
4.51
3.03
3.83
3.73
3.35
4.15
11.69
9.98
13.78
8.38
12.43
10.01
8.95
9.02
14.71
15.70
20.06
20.71
14.00
18.28
14.92
12.72
12.30
27.58
25.52
46.82
18.68
32.73
27.68
20.42
20
800
146
239
39
101
1
8
2,429
61
1
81
69
63
1,785
383
252
1.28
1.04
1.30
1.20
1.41
1.72
1.36
1.44
0.00
9.33
0.14
3.70
0.00
0.63
1.09
16.70
0.70
5.89
3.89
9.33
14.62
23.54
38,342
16,337
51,091
1.15
1.66
Central
Macon, GA (Metro)
American Pride Bank
Persons Banking Company
State Bank and Trust Company
Yes
Yes
No
Macon
Forsyth
Macon
Total/Average
149,903
325,302
4,206,048
2,861
(227)
48,833
2.04
(0.07)
1.39
11.06
(1.11)
9.88
4.30
3.94
4.58
16.37
5.93
13.18
21.01
10.59
13.82
18.92
26.33
18.70
303
2,268
237
7
139
3,460
1
2,213
6,174
1.20
1.40
0.95
0.13
6.38
0.49
4,681,253
51,467
1.12
6.61
4.27
11.83
15.14
21.32
2,808
3,606
8,388
0.98
0.89
1,012
13,078
2,345
1,653
1,541
2,598
1,489
1,074
1,409
(717)
(2,887)
7,035
1.16
2.76
0.98
0.99
0.70
1.13
0.83
1.06
1.32
(0.42)
(2.26)
0.76
4.89
26.18
9.45
9.36
6.32
8.66
6.27
7.70
14.78
(4.70)
(38.35)
7.56
3.82
4.66
3.79
4.68
4.39
4.07
3.70
3.01
5.78
4.41
3.61
3.97
23.59
10.15
10.95
10.58
11.15
12.64
12.46
13.81
9.28
8.63
4.86
9.53
48.99
15.39
16.67
16.22
18.29
21.20
21.35
25.73
13.49
13.06
9.77
14.60
55.24
12.52
22.42
14.14
13.42
30.41
36.23
23.60
15.16
20.76
20.73
21.47
6
611
94
121
55
146
45
1,329
36
26
1
451
27
128
269
638
555
143
192
3
86
647
399
1,893
3.78
1.70
1.37
2.41
1.23
2.00
2.53
2.54
0.92
0.74
1.39
1.57
0.25
0.78
0.84
0.47
1.04
1.49
6.93
0.58
0.82
2.90
4.54
2.12
48,717
3,206,979
388
30,018
0.83
0.76
5.83
4.92
4.26
4.17
15.49
11.78
30.61
20.41
29.73
24.29
3,010
9
2,930
19
4,999
2.30
1.65
0.00
1.83
7,888,232
81,485
0.94
5.76
4.22
11.80
17.78
22.81
5,818
6,536
13,387
1.24
1.27
Other
Bank of Hancock County
BankSouth
Century Bank and Trust
Citizens Bank of Swainsboro
Citizens Bank of The South
Exchange Bank
Farmers & Merchants Bank
Farmers Bank
First State Bank
Geo. D. Warthen Bank
Peoples Bank
Queensborough National Bank & Trust Company
No
Yes
No
No
No
No
No
No
No
No
Yes
No
Sparta
Greensboro
Milledgeville
Swainsboro
Sandersville
Milledgeville
Eatonton
Greensboro
Wrens
Sandersville
Eatonton
Louisville
Wilkinson County Bank
No
Irwinton
Total/Average
Central - Total/Average
Source: SNL Financial
85,637
531,254
239,085
180,557
225,208
237,647
192,042
106,102
109,961
169,003
123,667
958,099
50
248
710
470
5
300
(800)
50
746
581
650
[email protected]
[email protected] [email protected]
[email protected] [email protected] [email protected]
[email protected]
GEORGIA BANKS - PERFORMANCE COMPARISON - DECEMBER 31, 2016
www.thebankadvisors.com
Sub
S
Institution
City
Total
Assets
$
YTD
Net
Income
$
ROAA
(%)
ROAE
(%)
NIM
(%)
Leverage
Ratio
(%)
Total
RBC
(%)
Liquidity
(%)
YTD
Provision
$
YTD
Recoveries
$
YTD
C/O's
$
ALLL/
Loans
(%)
NPAs/
Assets
(%)
Southwest (Excludes Synovus)
Albany, GA (Metro)
AB&T
Bank of Dawson
Bank of Terrell
Flint Community Bank
No
No
Yes
Yes
Albany
Dawson
Dawson
Albany
Total/Average
150,420
116,074
159,156
198,476
764
1,272
1,801
2,691
0.53
1.13
1.16
1.39
4.22
6.17
11.47
16.58
3.98
4.93
4.36
3.84
9.21
18.24
10.06
8.64
11.85
28.75
16.51
12.09
8.16
32.32
22.04
8.80
275
640
240
28
10
60
8
38
155
680
196
1.48
1.50
1.08
1.02
0.00
1.71
1.21
1.52
624,126
6,528
1.05
9.61
4.28
11.54
17.30
17.83
1,155
106
1,069
1.23
1.11
108,119
701
0.68
4.82
4.81
13.81
23.21
25.97
-
8
153
1.32
1.15
108,119
701
0.68
4.82
4.81
13.81
23.21
25.97
-
8
153
1.32
1.15
(73)
1,988
737
1,479
11,311
284
4,127
(0.58)
1.47
0.76
0.65
2.08
0.17
1.40
(7.06)
13.36
5.93
5.02
53.56
1.00
13.56
1.59
4.53
3.76
3.38
3.99
4.01
3.68
7.25
11.06
11.91
12.90
4.57
16.63
9.90
67.33
18.14
18.08
21.23
7.29
28.03
15.73
93.65
30.31
24.72
26.48
10.68
11.61
16.85
2
160
275
210
2,975
68
358
29
57
30
428
20
20
2
180
406
669
2,326
156
92
3.15
0.98
1.46
1.66
1.85
0.36
1.92
0.00
1.09
1.01
0.78
9.34
1.43
0.51
19,853
0.85
12.20
3.56
10.60
25.12
30.61
4,048
584
3,831
1.55
3.93
Columbus, GA-AL (Metro)
First Peoples Bank
No
Pine Mountain
Total/Average
Valdosta, GA (Metro)
Barwick Banking Company
Citizens Community Bank
Citizens National Bank of Quitman
Commercial Banking Company
Farmers & Merchants Bank
First Federal Savings and Loan Association of Valdosta
Guardian Bank
Total/Average
Source: SNL Financial
No
Yes
No
No
No
No
Yes
Barwick
Hahira
Quitman
Valdosta
Lakeland
Valdosta
Valdosta
14,159
133,967
100,073
235,235
546,069
168,800
311,345
1,509,648
[email protected]
[email protected] [email protected]
[email protected] [email protected] [email protected]
[email protected]
GEORGIA BANKS - PERFORMANCE COMPARISON - DECEMBER 31, 2016
www.thebankadvisors.com
Sub
S
Institution
City
Total
Assets
$
YTD
Net
Income
$
ROAA
(%)
ROAE
(%)
NIM
(%)
Leverage
Ratio
(%)
Total
RBC
(%)
Liquidity
(%)
YTD
Provision
$
YTD
Recoveries
$
YTD
C/O's
$
ALLL/
Loans
(%)
NPAs/
Assets
(%)
Other
Ameris Bank
Bank of Alapaha
Bank of Camilla
Bank of Early
Bank of Eastman
Bank of Edison
CharterBank
Citizens Bank
Citizens Bank & Trust Company
Citizens Bank of Americus
Citizens Bank of Cochran
South Coast Bank & Trust
Citizens State Bank of Taylor County
Colony Bank
Commercial State Bank
Community Bank & Trust - West Georgia
Community Banking Company of Fitzgerald
Douglas National Bank
Family Bank
First National Bank of Coffee County
First National Bank of Decatur County
First Port City Bank
First State Bank of Blakely
First State Bank of Randolph County
Calumet Bank
Pelham Banking Company
Peoples Bank
Peoples Bank of Georgia
PeoplesSouth Bank
Planters and Citizens Bank
Planters First Bank
Rabun County Bank
Rochelle State Bank
South Georgia Banking Company
SouthCrest Bank NA
Southwest Georgia Bank
State Bank of Cochran
SunMark Community Bank
Thomas County Federal Savings & Loan Association
Thomasville National Bank
Trust Bank
United National Bank
West Central Georgia Bank
No
No
No
Yes
Yes
Yes
No
Yes
Yes
No
No
Yes
Yes
No
Yes
No
No
Yes
No
Yes
No
No
No
Yes
No
Yes
Yes
No
No
No
Yes
No
No
No
No
No
Yes
Yes
No
No
Yes
No
No
Moultrie
Alapaha
Camilla
Blakely
Eastman
Edison
West Point
Nashville
Eastman
Americus
Cochran
Brunswick
Reynolds
Fitzgerald
Donalsonville
LaGrange
Fitzgerald
Douglas
Pelham
Douglas
Bainbridge
Bainbridge
Blakely
Cuthbert
LaGrange
Pelham
Willacoochee
Talbotton
Colquitt
Camilla
Hawkinsville
Clayton
Rochelle
Tifton
Tyrone
Moultrie
Cochran
Hawkinsville
Thomasville
Thomasville
Lenox
Cairo
Thomaston
Wilcox County State Bank
No
Abbeville
Total/Average
Southwest - Total/Average
Source: SNL Financial
6,884,999
149,516
103,856
132,594
174,889
42,759
1,463,342
255,071
128,134
277,472
75,666
99,486
63,686
1,208,667
97,398
85,514
135,642
183,008
94,574
147,365
186,402
164,503
438,903
78,393
160,389
73,684
75,311
63,655
717,369
124,845
284,134
167,068
29,456
463,413
558,389
447,700
219,531
225,390
246,279
779,284
38,897
207,351
118,469
78,025
1,317
1,071
576
1,201
309
13,922
2,547
539
3,492
1,714
793
190
9,489
346
(214)
1,233
4,135
582
1,926
1,544
2,234
5,774
503
938
953
597
398
6,055
393
3,119
1,164
238
4,426
10,925
4,098
3,795
2,852
1,132
11,175
183
2,015
1,362
1.24
0.92
1.02
0.49
0.69
0.71
1.05
1.00
0.42
1.29
2.31
0.84
0.33
0.82
0.37
(0.25)
0.94
2.40
0.62
1.34
1.20
1.40
1.24
0.64
0.61
1.28
0.81
0.69
0.85
0.34
1.12
0.73
0.80
1.00
2.00
0.95
1.78
1.26
0.46
1.50
0.47
1.00
1.15
10.61
8.20
6.80
5.23
8.37
7.33
7.45
8.16
6.05
13.85
17.60
8.11
3.22
7.96
2.26
(5.69)
7.25
19.91
5.84
12.70
11.10
11.48
9.70
7.04
5.87
8.40
6.80
7.07
9.10
3.59
11.77
6.74
5.18
7.53
19.33
11.48
12.25
11.33
3.70
17.07
5.13
7.57
4.62
4.17
4.12
3.67
4.64
4.38
3.66
3.83
3.76
4.01
3.47
4.53
3.90
3.77
3.55
4.21
4.19
3.94
4.64
4.35
3.91
3.71
4.22
4.00
3.11
3.70
3.49
3.23
5.28
3.63
2.41
4.30
3.39
3.32
3.47
3.57
3.91
4.03
4.35
3.40
3.63
5.56
4.42
4.06
9.27
11.07
14.30
8.54
8.27
9.26
11.70
12.64
7.47
9.24
12.77
11.91
8.85
10.04
14.95
4.34
12.30
11.52
10.89
10.70
8.88
12.26
13.09
9.09
10.17
14.81
12.01
9.53
9.55
9.57
9.06
10.69
15.62
10.93
9.26
8.49
15.38
11.62
13.61
8.22
8.32
13.56
25.38
10.76
13.17
25.42
12.77
13.29
20.79
15.91
22.56
13.51
16.26
18.72
15.97
19.45
16.26
25.14
7.11
18.80
16.11
15.24
17.79
12.28
16.54
20.79
15.68
14.98
27.72
22.15
14.63
15.87
22.25
13.82
19.91
35.96
19.65
14.31
13.48
28.05
18.10
18.74
11.36
14.59
18.73
50.20
6.63
20.32
57.25
20.94
17.83
32.35
22.75
26.68
27.55
28.13
24.48
15.37
40.82
23.20
36.21
20.98
20.92
13.97
8.89
33.37
40.60
17.91
20.62
43.70
21.30
49.81
35.00
5.56
27.76
73.86
22.82
36.27
59.16
48.90
18.85
17.20
38.73
25.12
20.65
7.87
24.49
13.54
56.66
5,950
198
240
36
(1,000)
260
(850)
(2,010)
378
1,062
755
240
275
18
460
554
385
15
12
1,200
40
325
6
300
144
160
300
184
1,620
148
700
48
1,677
157
203
36
429
5
2,066
79
26
1,344
1,457
1
23
1,345
31
9
25
82
39
22
66
303
87
15
4
4
41
284
29
391
16
4
175
295
49
497
114
366
152
77
22
4,769
207
3
96
115
35
262
556
12
352
49
128
31
2,088
934
44
201
144
92
607
331
26
404
65
1
3
24
928
25
1,648
69
22
280
725
116
469
934
778
501
121
887
109
0.45
1.42
3.11
1.19
1.35
1.27
1.05
1.72
1.61
2.02
1.59
1.54
1.33
1.18
1.14
0.95
2.02
1.04
0.86
0.69
1.54
1.79
1.32
1.15
1.29
1.56
0.67
0.77
1.40
2.14
1.01
2.69
2.25
1.77
0.94
1.07
4.55
2.30
2.40
2.07
1.41
1.93
2.64
1.21
0.33
2.14
1.70
10.69
0.77
0.25
2.38
3.60
0.42
1.24
0.10
0.68
1.55
1.78
9.65
0.47
0.64
1.40
0.46
0.51
0.29
0.67
0.72
1.09
0.11
0.21
0.82
2.05
0.59
2.13
3.63
0.26
0.70
1.32
0.08
2.01
2.17
0.75
0.51
3.69
2.33
0.78
84,829
17,757,282
737
189,803
0.90
0.97
8.05
8.48
4.58
3.94
11.41
11.15
19.10
18.50
13.76
28.15
25
12,178
19
12,066
46
19,237
1.66
1.06
1.26
1.27
19,999,175
216,885
0.89
8.78
4.15
11.77
21.03
25.64
17,381
12,764
24,290
1.11
1.47
[email protected]
[email protected] [email protected]
[email protected] [email protected] [email protected]
[email protected]
GEORGIA BANKS - PERFORMANCE COMPARISON - DECEMBER 31, 2016
www.thebankadvisors.com
Sub
S
Institution
City
Total
Assets
$
YTD
Net
Income
$
ROAA
(%)
ROAE
(%)
NIM
(%)
Leverage
Ratio
(%)
Total
RBC
(%)
Liquidity
(%)
YTD
Provision
$
YTD
Recoveries
$
YTD
C/O's
$
ALLL/
Loans
(%)
NPAs/
Assets
(%)
Southeast
Augusta-Richmond County, GA-SC (Metro)
First National Bank of Waynesboro
Georgia Bank & Trust Company of Augusta
Southern Bank
No
No
No
Waynesboro
Augusta
Sardis
Total/Average
132,065
1,837,265
80,539
1,551
20,715
468
1.26
1.12
0.60
7.60
10.91
5.17
4.24
3.18
5.09
16.21
10.29
11.61
30.16
15.99
17.39
33.07
23.41
18.41
164
867
202
49
508
6
163
2,669
263
1.26
1.85
1.10
0.24
0.69
4.68
2,049,869
22,734
0.99
7.89
4.17
12.70
21.18
24.96
1,233
563
3,095
1.79
0.82
Brunswick, GA (Metro)
Atlantic National Bank
Southeastern Bank
Yes
No
Brunswick
Darien
165,147
413,936
579,083
1,928
3,894
5,822
1.17
0.95
1.06
11.09
8.47
9.78
2.88
3.53
3.21
11.00
10.67
10.84
22.08
19.21
20.65
33.00
35.35
34.18
(150)
(700)
(850)
64
1,184
1,248
152
852
1,004
1.58
1.90
1.79
0.70
2.10
1.70
No
No
No
Savannah
Pembroke
Savannah
39,030
129,123
387,297
(281)
2,156
9,223
(0.70)
1.71
2.51
(7.52)
13.15
39.41
5.29
3.28
3.66
9.14
12.16
6.78
14.10
31.88
9.72
17.73
26.64
18.32
(1,175)
1,550
1
1,289
314
40
15
2,435
1.54
3.02
1.08
8.02
1.27
7.48
Total/Average
Savannah, GA (Metro)
Carver State Bank
First Bank of Coastal Georgia
First Chatham Bank
Total/Average
555,450
11,098
1.17
15.01
4.08
9.36
18.57
20.90
375
1,604
2,490
1.35
6.08
282,734
160,618
209,058
135,149
24,935
109,984
51,542
50,989
112,734
73,419
158,011
182,414
116,277
118,920
349,516
66,569
223,448
105,326
609,520
139,761
102,369
82,578
370,568
49,324
150,027
225,921
153,273
99,188
1,111
2,201
1,736
2,347
163
1,959
707
372
551
728
3,263
725
678
1,596
5,469
1,094
2,744
709
11,273
1,749
(394)
426
8,501
585
3,713
673
1,700
1,049
0.59
1.40
0.84
1.78
0.69
1.96
1.49
0.70
0.47
1.02
2.02
0.41
0.59
1.33
1.61
1.69
1.26
0.66
1.98
1.28
(0.38)
0.56
2.36
1.34
2.62
0.30
1.09
1.12
7.10
12.97
7.51
13.75
4.44
23.19
15.87
8.07
5.05
7.47
13.73
3.78
4.24
9.47
10.47
13.29
10.81
3.99
18.52
12.32
(7.67)
6.83
21.93
9.01
23.38
2.29
11.16
7.76
6.33
4.81
4.10
3.87
5.35
5.12
5.36
3.65
4.58
4.58
4.66
3.56
3.32
4.15
5.38
4.34
4.35
3.07
4.97
3.61
4.49
4.21
4.65
4.48
5.69
2.12
3.18
4.05
9.64
11.19
11.31
11.66
14.26
8.50
10.67
9.51
10.02
14.05
15.28
8.23
14.27
14.33
14.67
12.92
11.15
14.28
10.18
9.93
4.66
8.53
10.58
14.62
11.45
13.11
9.74
14.18
14.95
17.65
18.23
19.48
22.92
11.97
15.49
17.49
15.44
18.85
26.47
13.46
28.74
20.87
22.54
20.45
17.56
31.62
13.14
16.88
7.37
12.91
16.50
26.97
18.92
47.70
17.51
21.83
29.98
27.00
18.39
29.55
49.46
11.41
18.08
37.59
18.02
24.32
24.88
30.20
43.91
28.98
20.42
28.10
22.94
39.55
8.22
40.38
15.01
25.85
24.85
58.94
29.55
79.06
32.51
36.22
265
218
340
225
65
660
77
634
150
(300)
195
175
4,200
163
290
200
1,735
90
28
45
125
204
-
95
31
111
42
6
183
26
21
9
40
115
329
58
12
3,713
84
47
81
109
46
309
17
209
2
207
3
129
156
306
341
891
116
238
29
875
229
75
257
467
11
7,990
447
417
369
1,113
10
280
1
761
2
82
75
3
84
1.63
1.25
1.29
1.50
0.89
1.86
1.49
1.18
1.15
1.54
2.90
1.07
1.44
2.68
3.09
1.98
2.26
2.80
1.77
1.21
1.50
1.65
2.88
2.82
1.61
0.97
2.00
2.21
3.05
1.53
1.18
3.08
0.26
1.08
0.97
1.14
1.57
1.73
1.24
1.93
2.93
0.51
1.84
1.36
1.28
0.70
1.22
0.46
6.92
0.33
1.40
0.03
1.37
1.05
1.07
0.25
4,514,172
57,428
1.17
10.03
4.36
11.53
19.78
30.48
9,784
6,034
15,625
1.95
1.56
7,698,574
97,082
1.10
10.68
3.95
11.11
20.04
27.63
10,542
9,449
22,214
1.86
1.70
Other
Pineland Bank
Altamaha Bank and Trust Company
Bank of Dudley
Bank of Hazlehurst
Bank of Lumber City
Bank of Newington
Bank of Soperton
Bank of Wrightsville
Claxton Bank
Community Bank of Georgia
Durden Banking Company, Incorporated
Farmers & Merchants Bank
Farmers and Merchants Bank
Farmers State Bank
First National Bank South
Four County Bank
Glennville Bank
Merchants & Citizens Bank
Morris Bank
Mount Vernon Bank
First Southern Bank
Peoples Bank
PrimeSouth Bank
Security State Bank
South Georgia Bank
Vidalia Federal Savings Bank
Waycross Bank & Trust
Wheeler County State Bank
No
Yes
No
Yes
No
No
Yes
Yes
Yes
No
Yes
No
No
Yes
No
Yes
No
No
Yes
Yes
No
No
No
Yes
Yes
No
Yes
Yes
Total/Average
Southeast - Total/Average
Source: SNL Financial
Alma
Vidalia
Dublin
Hazlehurst
Lumber City
Newington
Soperton
Wrightsville
Claxton
Baxley
Twin City
Statesboro
Sylvania
Dublin
Alma
Allentown
Glennville
McRae
Dublin
Vidalia
Patterson
Lyons
Blackshear
McRae
Glennville
Vidalia
Waycross
Alamo
[email protected]
[email protected] [email protected]
[email protected] [email protected] [email protected]
[email protected]