Glennville, GA · Cert 15926
FDIC · 4 branches
Q3 2016
Market Position · Hinesville, GA · 2016 SOD (annual) · 4.5% share · #4 of 6 inst. · $19.7M of $434.6M
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.11% | -1.35% | -0.28% | 1.29% | 0.75% | 0.36% | 1.01% | 0.46% | -83 bps | |
| Return on Equity | -10.41% | -13.16% | -2.74% | 12.71% | 7.57% | 3.75% | 10.48% | 4.67% | -804 bps | |
| Net Interest Margin | 4.27% | 3.49% | 4.24% | 5.61% | 5.00% | 4.15% | 4.84% | 4.27% | -134 bps | |
| Efficiency Ratio | 121.68% | 126.65% | 102.27% | 76.17% | 83.06% | 88.25% | 77.61% | 86.28% | +1,010 bps | |
| Non-Interest Burden | 5.35% | 4.53% | 4.27% | 4.06% | 3.94% | 3.50% | 3.54% | 3.53% | -53 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.30% | 0.03% | -3.86% | 4.55% | 11.59% | 11.68% | 15.65% | 11.76% | +721 bps | |
| Loan Growth (YoY) | 16.51% | 20.61% | 12.09% | 23.05% | 29.21% | 32.23% | 34.06% | 16.74% | -631 bps | |
| Deposit Growth (YoY) | -0.56% | 1.28% | -2.27% | 2.00% | 6.62% | 8.81% | 8.61% | 7.83% | +584 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 | 0.32% | 0.01% | -0.01% | -0.13% | -0.12% | -0.01% | -0.01% | -0.01% | +12 bps | |
| Allowance / Loans | 2.09% | 2.12% | 2.13% | 1.98% | 1.95% | 1.91% | 1.92% | 2.03% | +5 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 | 8.61% | 8.47% | 8.76% | 8.51% | 8.26% | 8.28% | 8.43% | -33 bps | |
| Total Risk-Based Capital | 15.13% | 13.91% | 13.32% | 12.60% | 11.99% | 11.57% | 11.58% | 11.86% | -74 bps | |
| Equity / Assets | 10.52% | 9.95% | 10.13% | 10.14% | 9.65% | 9.50% | 9.76% | 9.76% | -38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.97% | 68.54% | 72.97% | 80.96% | 83.58% | 83.30% | 90.06% | 87.65% | +669 bps | |
| Liquid Assets / Assets | 11.78% | 11.50% | 7.80% | 5.63% | 3.53% | 1.72% | 0.97% | 1.04% | -459 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |