Swainsboro, GA · Cert 19389
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.
Swainsboro, GA · Cert 19389
FDIC · 2 branches
Q4 2014
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 | 0.52% | 0.72% | 0.79% | 1.04% | 1.22% | 1.27% | 1.12% | 1.34% | +30 bps | |
| Return on Equity | 5.01% | 6.88% | 7.54% | 9.95% | 11.92% | 12.12% | 10.63% | 12.44% | +249 bps | |
| Net Interest Margin | 3.52% | 3.64% | 3.83% | 3.86% | 3.80% | 3.78% | 3.92% | 4.01% | +15 bps | |
| Efficiency Ratio | 78.33% | 75.74% | 76.28% | 73.52% | 72.68% | 72.84% | 73.66% | 71.08% | -244 bps | |
| Non-Interest Burden | 2.58% | 2.53% | 2.68% | 2.55% | 2.49% | 2.46% | 2.63% | 2.51% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.22% | -6.07% | -5.18% | -4.47% | -1.72% | 1.86% | 2.64% | 0.16% | +463 bps | |
| Loan Growth (YoY) | -4.67% | -6.97% | -3.59% | 0.00% | 1.50% | 5.61% | 8.76% | 3.91% | +391 bps | |
| Deposit Growth (YoY) | -1.30% | -7.04% | -5.62% | -4.22% | -1.72% | 1.56% | 2.67% | -1.41% | +281 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 | 0.43% | 0.62% | 0.44% | 0.50% | 0.40% | 0.24% | 0.30% | 0.33% | -17 bps | |
| Allowance / Loans | 1.09% | 1.05% | 1.04% | 0.84% | 0.83% | 0.82% | 0.77% | 0.75% | -10 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 | 17.59% | 18.24% | 17.86% | 16.96% | 17.97% | 18.13% | 16.23% | 17.00% | +4 bps | |
| Equity / Assets | 10.21% | 10.57% | 10.69% | 10.26% | 10.22% | 10.89% | 10.69% | 11.68% | +142 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.49% | 74.81% | 80.00% | 81.25% | 74.87% | 77.80% | 84.74% | 85.63% | +438 bps | |
| Liquid Assets / Assets | 10.04% | 6.80% | 4.25% | 2.20% | 11.57% | 8.90% | 2.74% | 2.80% | +60 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |