Fort Oglethorpe, GA · Cert 19195
FDIC · 3 branches
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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.
Fort Oglethorpe, GA · Cert 19195
FDIC · 3 branches
Q3 2018
Market Position · Chattanooga, TN-GA · 2018 SOD (annual) · 1.1% share · #18 of 28 inst. · $0.1B of $9.7B
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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.28% | 1.15% | 1.28% | 1.39% | 1.44% | 1.32% | 1.40% | 1.58% | +19 bps | |
| Return on Equity | 12.56% | 11.60% | 12.90% | 13.95% | 14.30% | 12.95% | 13.87% | 15.49% | +154 bps | |
| Net Interest Margin | 4.11% | 4.05% | 4.02% | 4.11% | 4.09% | 4.15% | 4.19% | 4.24% | +13 bps | |
| Efficiency Ratio | 75.72% | 77.04% | 74.88% | 73.09% | 72.08% | 74.47% | 73.33% | 70.27% | -282 bps | |
| Non-Interest Burden | 2.85% | 2.90% | 2.75% | 2.73% | 2.66% | 2.82% | 2.79% | 2.67% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.84% | 5.75% | 6.01% | 6.14% | 3.87% | 1.75% | 2.64% | 0.88% | -526 bps | |
| Loan Growth (YoY) | 7.14% | 11.09% | 7.43% | 6.85% | 5.61% | 2.08% | 4.84% | 0.47% | -638 bps | |
| Deposit Growth (YoY) | 5.91% | 6.01% | 6.51% | 6.27% | 3.62% | 1.66% | 2.38% | 0.54% | -573 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.01% | 0.02% | 0.02% | 0.06% | 0.06% | 0.09% | +8 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.02% | -0.09% | -0.17% | -0.16% | 0.25% | 0.12% | 0.08% | +25 bps | |
| Allowance / Loans | 1.48% | 1.46% | 1.50% | 1.54% | 1.56% | 1.53% | 1.49% | 1.51% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 130.0x | 91.5x | 94.1x | 24.2x | 24.7x | 16.1x | -75.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.45% | 9.71% | 9.87% | 10.26% | 10.52% | 9.99% | 10.22% | 10.61% | +34 bps | |
| Total Risk-Based Capital | 15.11% | 14.20% | 14.60% | 14.92% | 15.44% | 14.52% | 14.76% | 16.83% | +191 bps | |
| Equity / Assets | 10.36% | 9.53% | 9.83% | 10.18% | 10.56% | 9.77% | 10.00% | 10.58% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.01% | 81.90% | 81.52% | 84.00% | 85.62% | 82.24% | 83.49% | 83.94% | -5 bps | |
| Liquid Assets / Assets | 2.14% | 4.07% | 5.05% | 2.24% | 1.09% | 2.98% | 4.56% | 6.77% | +453 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |