Dalton, GA · Charter 12568
Q4 2014
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 0.40% | 0.38% | 0.27% | -0.38% | -0.36% | -0.66% | -0.51% | -78 bps | |
| Return on Equity | 1.06% | 2.56% | 2.43% | 1.61% | -2.39% | -2.21% | -4.00% | -3.02% | -462 bps | |
| Net Interest Margin | 3.58% | 3.61% | 3.63% | 3.84% | 3.31% | 3.49% | 3.64% | 3.76% | -8 bps | |
| Efficiency Ratio | 94.48% | 90.66% | 91.04% | 89.97% | 96.70% | 94.66% | 93.49% | 93.58% | +362 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.03% | 0.51% | -2.45% | 2.60% | -0.19% | -3.88% | -7.57% | -5.90% | -851 bps | |
| Loan Growth (YoY) | -5.18% | -14.89% | -13.24% | -14.68% | -12.77% | -10.09% | -14.33% | -11.62% | +306 bps | |
| Share Growth (YoY) | -0.96% | -0.43% | -3.28% | 2.81% | -0.16% | -4.46% | -8.17% | -6.50% | -931 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 1.48% | 1.50% | 1.39% | 1.10% | 0.30% | 0.00% | 0.32% | -107 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 | 0.37% | 0.41% | 0.29% | 0.48% | 0.20% | 0.33% | 1.03% | 1.28% | +80 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.66% | 15.66% | 15.81% | 16.50% | 15.81% | 16.16% | 16.57% | 17.03% | +52 bps | |
| Net Worth / Assets | 15.66% | 15.66% | 15.81% | 16.50% | 15.81% | 16.16% | 16.57% | 17.03% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.13% | 67.34% | 68.17% | 67.78% | 61.26% | 63.38% | 63.59% | 64.06% | -371 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |