Augusta, GA · Charter 12908
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 | -0.44% | -0.12% | -0.05% | -0.22% | -0.25% | -0.09% | -0.08% | -0.09% | +13 bps | |
| Return on Equity | -3.29% | -0.90% | -0.37% | -1.70% | -1.93% | -0.69% | -0.66% | -0.70% | +100 bps | |
| Net Interest Margin | 2.83% | 2.83% | 2.80% | 2.82% | 2.89% | 2.77% | 2.83% | 3.01% | +19 bps | |
| Efficiency Ratio | 102.59% | 100.90% | 98.25% | 96.83% | 96.82% | 96.56% | 94.74% | 96.22% | -61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.24% | -1.06% | -3.36% | -1.16% | -0.25% | 1.97% | 0.10% | -3.47% | -232 bps | |
| Loan Growth (YoY) | -6.72% | -8.16% | -9.68% | -3.61% | -2.06% | 5.03% | 8.36% | 7.27% | +1,088 bps | |
| Share Growth (YoY) | -1.02% | -1.53% | -0.44% | 0.57% | 0.65% | 3.25% | -0.73% | -2.15% | -272 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.43% | 1.34% | 1.21% | 0.72% | 0.53% | 1.10% | 1.19% | 1.84% | +112 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 | 0.76% | 0.71% | 0.72% | 0.84% | 0.87% | 0.89% | 1.05% | 0.96% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.38% | 13.24% | 13.04% | 12.95% | 13.16% | 12.75% | 12.76% | 13.26% | +31 bps | |
| Net Worth / Assets | 13.38% | 13.24% | 13.04% | 12.95% | 13.16% | 12.75% | 12.76% | 13.26% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.05% | 38.23% | 36.75% | 39.73% | 40.92% | 38.89% | 40.12% | 43.56% | +383 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |