Ft Oglethorpe, GA · Charter 10546
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
Ft Oglethorpe, GA · Charter 10546
Q1 2015
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.30% | 0.76% | 0.12% | 0.17% | 0.26% | 0.25% | 0.25% | -4.60% | -477 bps | |
| Return on Equity | 1.33% | 3.44% | 0.56% | 0.81% | 1.24% | 1.18% | 1.18% | -33.36% | -3,417 bps | |
| Net Interest Margin | 5.24% | 5.40% | 5.61% | 5.35% | 5.13% | 5.22% | 5.17% | 4.68% | -67 bps | |
| Efficiency Ratio | 94.18% | 90.18% | 97.28% | 97.60% | 96.58% | 96.40% | 95.80% | 154.14% | +5,655 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.08% | 7.29% | 3.06% | 2.16% | 6.54% | 4.25% | 7.44% | -14.30% | -1,647 bps | |
| Loan Growth (YoY) | 16.46% | 12.03% | 8.37% | 9.93% | 2.21% | -1.11% | -4.60% | -14.64% | -2,457 bps | |
| Share Growth (YoY) | 3.46% | 9.54% | 3.65% | 1.19% | 6.56% | 3.43% | 8.35% | -4.11% | -530 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.52% | 1.91% | 2.64% | 0.92% | 1.46% | 1.81% | 1.06% | 2.46% | +154 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.69% | 1.52% | 1.51% | 1.21% | 1.22% | 1.03% | 0.99% | 0.63% | -57 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.31% | 22.18% | 22.21% | 21.35% | 21.05% | 21.03% | 20.92% | 13.78% | -757 bps | |
| Net Worth / Assets | 22.31% | 22.18% | 22.21% | 21.35% | 21.05% | 21.03% | 20.92% | 13.78% | -757 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.15% | 86.68% | 87.12% | 86.04% | 85.52% | 82.88% | 76.71% | 76.59% | -945 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |