Baxley, GA · Cert 19604
FDIC · 1 branch
Q2 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.14% | 0.91% | 1.20% | 1.14% | 2.25% | 2.28% | 0.99% | 1.34% | +21 bps | |
| Return on Equity | 17.70% | 7.54% | 10.30% | 9.78% | 18.94% | 19.16% | 8.52% | 11.53% | +175 bps | |
| Net Interest Margin | 4.74% | 4.66% | 4.33% | 4.54% | 4.53% | 4.65% | 4.22% | 3.83% | -71 bps | |
| Efficiency Ratio | 52.42% | 74.03% | 67.19% | 67.06% | 51.72% | 62.55% | 70.54% | 65.41% | -165 bps | |
| Non-Interest Burden | 1.33% | 3.16% | 2.44% | 2.73% | 0.93% | 2.19% | 2.64% | 1.72% | -101 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% | 0.05% | -0.02% | -0.02% | 0.00% | -0.01% | -0.01% | 0.19% | +21 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 |