Greenville, GA · Cert 12078
FDIC · 1 branch
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 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.
Greenville, GA · Cert 12078
FDIC · 1 branch
Q3 2015
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2015 SOD (annual) · 0.0% share · #85 of 97 inst. · $0.0B of $146.1B
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.50% | 0.36% | 0.27% | 0.11% | -0.29% | -0.24% | -0.20% | -47 bps | |
| Return on Equity | 3.82% | 3.48% | 2.51% | 1.79% | 0.73% | -1.99% | -1.62% | -1.37% | -316 bps | |
| Net Interest Margin | 3.41% | 3.04% | 3.08% | 3.22% | 3.20% | 2.59% | 2.51% | 2.52% | -70 bps | |
| Efficiency Ratio | 86.11% | 87.58% | 90.77% | 93.24% | 97.92% | 108.61% | 106.91% | 105.86% | +1,262 bps | |
| Non-Interest Burden | 2.80% | 2.53% | 2.71% | 2.94% | 3.12% | 2.89% | 2.74% | 2.73% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.89% | 4.51% | 2.59% | -6.27% | 0.84% | 2.10% | 3.96% | 9.43% | +1,570 bps | |
| Loan Growth (YoY) | 0.79% | -3.07% | -8.40% | -14.17% | -15.54% | -23.22% | -16.83% | -14.39% | -22 bps | |
| Deposit Growth (YoY) | -6.84% | 6.84% | 2.49% | -7.67% | 0.52% | 1.22% | 4.59% | 10.95% | +1,862 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.00% | 0.99% | 1.08% | 1.00% | 1.18% | 1.29% | 1.30% | 1.17% | +17 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 | n/a | n/a | n/a | 14.61% | 14.28% | 14.48% | n/a | |
| Total Risk-Based Capital | 23.23% | 20.72% | 21.90% | 22.37% | 22.14% | 30.52% | 52.56% | 44.77% | +2,240 bps | |
| Equity / Assets | 14.91% | 13.72% | 15.00% | 16.17% | 15.51% | 14.12% | 14.47% | 14.80% | -137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.95% | 46.42% | 46.43% | 54.53% | 43.64% | 35.22% | 36.92% | 42.07% | -1,245 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 |