Thomaston, GA · Cert 17041
FDIC
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.72% | -1.30% | -0.85% | -1.08% | -1.65% | -93 bps | |
| Return on Equity | -8.26% | -15.00% | -10.01% | -12.85% | -20.00% | -1,174 bps | |
| Net Interest Margin | 2.78% | 3.31% | 3.22% | 3.54% | 3.69% | +91 bps | |
| Efficiency Ratio | 72.72% | 116.07% | 116.42% | 121.68% | 130.61% | +5,789 bps | |
| Non-Interest Burden | 1.27% | 4.08% | 4.07% | 4.71% | 5.32% | +406 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.89% | -9.67% | -7.44% | -6.39% | -4.88% | +101 bps | |
| Loan Growth (YoY) | -17.89% | -16.12% | -12.20% | -5.05% | 4.81% | +2,270 bps | |
| Deposit Growth (YoY) | -4.70% | -8.64% | -5.77% | -6.05% | -4.22% | +48 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.78% | 1.59% | 1.48% | 0.72% | -0.31% | -109 bps | |
| Allowance / Loans | 2.56% | 2.45% | 2.14% | 1.93% | 1.90% | -67 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 | 16.11% | 15.32% | 15.01% | 14.69% | 13.29% | -282 bps | |
| Equity / Assets | 8.73% | 8.60% | 8.42% | 8.44% | 8.07% | -67 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 52.21% | 52.66% | 51.25% | 53.48% | 57.12% | +492 bps | |
| Liquid Assets / Assets | 23.93% | 21.36% | 21.20% | 15.75% | 14.42% | -951 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |