Lithonia, GA · Cert 173
FDIC · 2 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 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.
Lithonia, GA · Cert 173
FDIC · 2 branches
Q4 2014
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2014 SOD (annual) · 0.1% share · #71 of 100 inst. · $0.1B of $132.6B
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.36% | -0.49% | -0.73% | -0.94% | -1.25% | -0.64% | -0.56% | -0.49% | +45 bps | |
| Return on Equity | -10.23% | -14.66% | -22.64% | -29.47% | -41.19% | -20.92% | -17.57% | -14.81% | +1,466 bps | |
| Net Interest Margin | 2.82% | 2.79% | 2.87% | 2.94% | 2.83% | 3.02% | 3.23% | 3.26% | +32 bps | |
| Efficiency Ratio | 105.87% | 110.47% | 117.30% | 124.83% | 136.02% | 115.33% | 112.48% | 110.62% | -1,421 bps | |
| Non-Interest Burden | 3.05% | 3.19% | 3.51% | 3.84% | 4.04% | 3.65% | 3.79% | 3.75% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.76% | -4.74% | -6.91% | -6.34% | -8.34% | -10.89% | -7.61% | -6.97% | -63 bps | |
| Loan Growth (YoY) | -12.12% | -12.45% | -8.56% | -6.51% | -6.77% | 2.39% | 1.69% | -2.36% | +415 bps | |
| Deposit Growth (YoY) | -6.25% | -3.53% | -5.69% | -5.79% | -7.83% | -11.07% | -8.35% | -7.54% | -175 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 | 0.22% | 0.78% | 0.61% | 0.67% | 0.35% | 0.20% | 0.13% | 0.23% | -44 bps | |
| Allowance / Loans | 2.30% | 2.06% | 2.09% | 1.89% | 1.84% | 1.71% | 1.77% | 1.72% | -17 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 | 5.99% | 5.87% | 5.56% | 6.14% | 5.85% | 5.67% | 6.26% | 6.42% | +28 bps | |
| Equity / Assets | 3.48% | 2.99% | 2.70% | 3.10% | 2.95% | 3.17% | 3.52% | 3.70% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.77% | 62.99% | 63.67% | 65.16% | 65.51% | 72.52% | 70.64% | 68.82% | +365 bps | |
| Liquid Assets / Assets | 11.99% | 11.73% | 11.44% | 9.87% | 10.21% | 3.42% | 5.64% | 8.33% | -153 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |