Atlanta, GA · Charter 14385
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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.
Atlanta, GA · Charter 14385
Q3 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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.86% | -1.62% | -1.58% | -1.76% | -2.06% | -2.07% | -2.09% | -5.27% | -350 bps | |
| Return on Equity | -10.05% | -9.14% | -9.06% | -10.42% | -12.31% | -13.12% | -13.71% | -39.10% | -2,868 bps | |
| Net Interest Margin | 3.08% | 2.74% | 2.64% | 2.59% | 2.63% | 2.40% | 2.38% | 2.53% | -6 bps | |
| Efficiency Ratio | 129.11% | 131.69% | 132.63% | 138.16% | 140.50% | 149.30% | 151.73% | 192.37% | +5,421 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.24% | -1.59% | 1.82% | 3.22% | -1.04% | -1.08% | -0.76% | -6.74% | -996 bps | |
| Loan Growth (YoY) | -10.56% | -7.33% | -9.79% | -9.08% | -10.94% | -9.50% | -11.20% | -8.29% | +79 bps | |
| Share Growth (YoY) | 3.73% | 0.18% | 4.82% | 5.76% | 0.98% | 1.16% | 1.71% | -3.32% | -908 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.93% | 2.01% | 1.97% | 0.96% | 1.26% | 1.10% | 1.09% | 0.26% | -69 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 | 1.04% | 1.08% | 0.95% | 0.97% | 0.99% | 0.98% | 1.01% | 2.83% | +187 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.55% | 17.72% | 17.41% | 16.92% | 16.69% | 15.80% | 15.28% | 13.47% | -345 bps | |
| Net Worth / Assets | 18.55% | 17.72% | 17.41% | 16.92% | 16.69% | 15.80% | 15.28% | 13.47% | -345 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.54% | 53.69% | 53.71% | 51.09% | 50.75% | 48.03% | 46.89% | 48.46% | -263 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |