Forsyth, GA · Cert 156
FDIC · 2 branches
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 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.
Forsyth, GA · Cert 156
FDIC · 2 branches
Q2 2014
Market Position · Macon, GA · 2014 SOD (annual) · 3.0% share · #8 of 17 inst. · $0.1B of $2.9B
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.65% | -0.87% | 0.20% | 0.23% | 0.26% | 0.28% | 0.23% | 0.29% | +6 bps | |
| Return on Equity | -7.51% | -10.02% | 2.21% | 2.54% | 2.85% | 3.12% | 2.69% | 3.38% | +84 bps | |
| Net Interest Margin | 2.60% | 2.81% | 3.36% | 3.36% | 3.39% | 3.36% | 3.40% | 3.38% | +2 bps | |
| Efficiency Ratio | 109.03% | 118.10% | 87.83% | 81.41% | 82.75% | 83.17% | 86.59% | 85.39% | +398 bps | |
| Non-Interest Burden | 2.87% | 3.38% | 2.88% | 2.58% | 2.68% | 2.68% | 2.87% | 2.81% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.65% | -10.58% | -6.96% | -5.90% | 0.66% | 4.95% | 11.68% | 8.35% | +1,425 bps | |
| Loan Growth (YoY) | -5.71% | -7.09% | -3.37% | -0.47% | 3.38% | 5.73% | 5.82% | 4.86% | +534 bps | |
| Deposit Growth (YoY) | -6.14% | -11.17% | -7.33% | -6.38% | 0.55% | 5.17% | 12.46% | 8.70% | +1,508 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 | 1.24% | 1.05% | 0.22% | 0.74% | 0.58% | 0.48% | -0.01% | 0.15% | -60 bps | |
| Allowance / Loans | 2.16% | 2.10% | 2.12% | 2.05% | 2.10% | 2.11% | 2.19% | 2.18% | +13 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 | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 17.10% | 17.11% | 16.89% | 16.65% | 16.88% | 16.75% | 16.72% | 16.57% | -9 bps | |
| Equity / Assets | 8.96% | 9.18% | 9.01% | 9.01% | 9.04% | 9.02% | 8.33% | 8.62% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.15% | 74.23% | 73.41% | 74.86% | 74.18% | 74.63% | 69.08% | 72.22% | -264 bps | |
| Liquid Assets / Assets | 22.07% | 20.43% | 21.46% | 20.72% | 21.68% | 21.07% | 26.80% | 23.97% | +326 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |