Savannah, GA · Charter 12070
Q3 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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.01% | 0.01% | 0.19% | 0.33% | 0.38% | 0.08% | 0.16% | 0.14% | -20 bps | |
| Return on Equity | -0.08% | 0.07% | 1.24% | 2.20% | 2.51% | 0.56% | 1.06% | 0.90% | -129 bps | |
| Net Interest Margin | 2.38% | 2.24% | 2.28% | 2.30% | 2.28% | 2.12% | 2.17% | 2.21% | -9 bps | |
| Efficiency Ratio | 99.56% | 98.45% | 95.29% | 92.75% | 91.89% | 96.94% | 95.64% | 96.23% | +348 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.08% | 0.44% | 0.58% | 0.96% | 5.15% | 3.52% | 2.89% | 0.59% | -36 bps | |
| Loan Growth (YoY) | 6.19% | 3.25% | 3.76% | -1.82% | -5.87% | -3.78% | -6.42% | -6.72% | -490 bps | |
| Share Growth (YoY) | 1.29% | 0.51% | 0.60% | 1.05% | 5.71% | 3.70% | 3.08% | 0.26% | -80 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.95% | 0.59% | 0.60% | 0.87% | 0.92% | 0.34% | 0.44% | 0.48% | -38 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 | 0.78% | 0.83% | 0.74% | 0.80% | 0.86% | 0.92% | 0.97% | 1.02% | +22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.56% | 14.72% | 15.03% | 15.22% | 15.18% | 14.61% | 14.97% | 15.37% | +15 bps | |
| Net Worth / Assets | 15.56% | 14.72% | 15.03% | 15.22% | 15.18% | 14.61% | 14.97% | 15.37% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.70% | 41.63% | 42.54% | 41.85% | 40.70% | 38.63% | 38.61% | 38.94% | -291 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |