Woodbury, GA · Cert 11297
FDIC · 1 branch
Q2 2016
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2016 SOD (annual) · 0.0% share · #80 of 91 inst. · $0.0B 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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.18% | -0.54% | -2.59% | -1.90% | -1.68% | -3.33% | -0.57% | -4.51% | -261 bps | |
| Return on Equity | -2.85% | -8.67% | -44.76% | -34.55% | -31.62% | -68.83% | -19.53% | -195.43% | -16,088 bps | |
| Net Interest Margin | 4.10% | 3.75% | 3.54% | 3.47% | 3.26% | 3.08% | 2.90% | 2.82% | -65 bps | |
| Efficiency Ratio | 107.21% | 115.90% | 283% | 185.66% | 164.44% | 168.20% | 126.02% | 562% | +37,610 bps | |
| Non-Interest Burden | 4.40% | 4.36% | 6.27% | 5.42% | 4.94% | 4.90% | 3.79% | 6.95% | +153 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.39% | -3.14% | 2.64% | 3.98% | 3.42% | -2.64% | -4.21% | -9.88% | -1,387 bps | |
| Loan Growth (YoY) | -11.80% | -0.29% | 1.89% | -0.16% | -13.85% | -27.87% | -31.06% | -36.14% | -3,598 bps | |
| Deposit Growth (YoY) | -1.77% | -3.37% | 3.60% | 5.61% | 5.10% | 0.63% | -1.68% | -6.25% | -1,186 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.01% | -0.08% | -0.07% | -0.09% | 3.45% | -0.08% | 2.88% | +295 bps | |
| Allowance / Loans | 3.05% | 3.02% | 2.97% | 2.95% | 3.63% | 4.28% | 4.39% | 3.91% | +96 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | 5.66% | 5.19% | 4.78% | 2.89% | 2.87% | 0.82% | -437 bps | |
| Total Risk-Based Capital | 11.52% | 10.80% | 10.09% | 9.10% | 9.46% | 6.14% | 6.17% | 2.86% | -624 bps | |
| Equity / Assets | 6.31% | 6.06% | 5.52% | 4.94% | 4.79% | 2.84% | 2.99% | 1.03% | -391 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.66% | 64.63% | 65.29% | 64.73% | 52.19% | 46.33% | 45.78% | 44.09% | -2,064 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |