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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.26% | 0.31% | 0.35% | 0.23% | 0.34% | +9 bps | |
| Return on Equity | 2.87% | 3.45% | 3.92% | 2.69% | 4.06% | +119 bps | |
| Net Interest Margin | 3.45% | 3.48% | 3.43% | 3.40% | 3.45% | 0 bps | |
| Efficiency Ratio | 75.82% | 85.52% | 84.44% | 86.59% | 84.24% | +842 bps | |
| Non-Interest Burden | 2.37% | 2.89% | 2.81% | 2.87% | 2.81% | +44 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.90% | 0.66% | 4.95% | 11.68% | 8.35% | +1,425 bps | |
| Loan Growth (YoY) | -0.47% | 3.38% | 5.73% | 5.82% | 4.86% | +534 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 1.27% | 0.26% | 0.20% | -0.01% | 0.30% | -97 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 16.65% | 16.88% | 16.75% | 16.72% | 16.57% | -9 bps | |
| Equity / Assets | 9.01% | 9.04% | 9.02% | 8.33% | 8.62% | -40 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.86% | 74.18% | 74.63% | 69.08% | 72.22% | -264 bps | |
| Liquid Assets / Assets | 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 |