Baxley, GA · Cert 19604
FDIC · 1 branch
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Baxley, GA · Cert 19604
FDIC · 1 branch
Q2 2016
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.63% | 1.45% | 1.20% | 1.16% | 1.54% | 1.73% | 0.99% | 1.17% | 0 bps | |
| Return on Equity | 13.60% | 12.19% | 10.30% | 10.04% | 13.08% | 14.73% | 8.52% | 10.04% | 0 bps | |
| Net Interest Margin | 4.60% | 4.58% | 4.33% | 4.39% | 4.42% | 4.45% | 4.22% | 3.94% | -45 bps | |
| Efficiency Ratio | 59.48% | 62.92% | 67.19% | 67.13% | 60.92% | 61.35% | 70.54% | 67.76% | +63 bps | |
| Non-Interest Burden | 2.05% | 2.32% | 2.44% | 2.56% | 2.00% | 2.04% | 2.64% | 2.13% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.22% | 3.73% | 2.65% | 3.09% | 3.11% | 4.10% | 3.48% | 3.76% | +67 bps | |
| Loan Growth (YoY) | 8.82% | 2.01% | -0.06% | 0.50% | -11.49% | -11.20% | -10.31% | -7.91% | -840 bps | |
| Deposit Growth (YoY) | 1.20% | 4.11% | 3.04% | 2.40% | 2.63% | 3.42% | 4.66% | 5.38% | +298 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 | -0.01% | 0.00% | -0.02% | -0.02% | -0.02% | -0.02% | -0.01% | 0.09% | +11 bps | |
| Allowance / Loans | 1.45% | 1.66% | 1.61% | 1.50% | 1.69% | 1.88% | 1.80% | 1.58% | +8 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 | 11.73% | 11.77% | 12.26% | 11.49% | 11.78% | 11.66% | -11 bps | |
| Total Risk-Based Capital | 16.81% | 16.38% | 16.16% | 16.01% | 18.36% | 18.05% | 18.24% | 17.25% | +124 bps | |
| Equity / Assets | 12.43% | 11.57% | 11.68% | 11.55% | 12.25% | 11.59% | 11.70% | 11.60% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.21% | 74.77% | 76.22% | 79.84% | 71.76% | 64.20% | 65.31% | 69.78% | -1,007 bps | |
| Liquid Assets / Assets | 14.55% | 21.15% | 20.35% | 18.62% | 24.93% | 31.45% | 29.96% | 26.44% | +782 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |