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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -0.62% | -1.20% | -1.60% | -1.25% | -0.02% | -0.39% | -0.26% | +134 bps | |
| Return on Equity | -10.23% | -19.28% | -42.03% | -55.42% | -41.19% | -0.67% | -11.68% | -7.20% | +4,822 bps | |
| Net Interest Margin | 2.82% | 2.77% | 2.88% | 2.93% | 2.83% | 3.12% | 3.53% | 3.35% | +42 bps | |
| Efficiency Ratio | 105.87% | 115.43% | 134.09% | 153.02% | 136.02% | 100.43% | 107.74% | 105.39% | -4,763 bps | |
| Non-Interest Burden | 3.05% | 3.34% | 3.97% | 4.54% | 4.04% | 3.14% | 3.92% | 3.61% | -93 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% | 1.33% | 0.26% | 0.84% | 0.35% | 0.08% | -0.04% | 0.52% | -31 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 |