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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.27% | 0.11% | -0.29% | -0.24% | -0.20% | -47 bps | |
| Return on Equity | 1.79% | 0.73% | -1.99% | -1.62% | -1.37% | -316 bps | |
| Net Interest Margin | 3.22% | 3.20% | 2.59% | 2.51% | 2.52% | -70 bps | |
| Efficiency Ratio | 93.24% | 97.92% | 108.61% | 106.91% | 105.86% | +1,262 bps | |
| Non-Interest Burden | 2.94% | 3.12% | 2.89% | 2.74% | 2.73% | -21 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.27% | 0.84% | 2.10% | 3.96% | 9.43% | +1,570 bps | |
| Loan Growth (YoY) | -14.17% | -15.54% | -23.22% | -16.83% | -14.39% | -22 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | 14.61% | 14.28% | 14.48% | n/a | |
| Total Risk-Based Capital | 22.37% | 22.14% | 30.52% | 52.56% | 44.77% | +2,240 bps | |
| Equity / Assets | 16.17% | 15.51% | 14.12% | 14.47% | 14.80% | -137 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 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 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |