Kingsland, GA · Cert 19753
FDIC · 3 branches
Q2 2016
Market Position · Jacksonville, FL · 2016 SOD (annual) · 0.0% share · #32 of 37 inst. · $0.0B of $58.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.55% | -0.80% | -0.12% | -0.48% | -1.05% | +50 bps | |
| Return on Equity | -23.18% | -12.44% | -1.75% | -6.68% | -14.73% | +845 bps | |
| Net Interest Margin | 3.60% | 3.68% | 3.72% | 3.87% | 4.07% | +47 bps | |
| Efficiency Ratio | 159.18% | 124.79% | 135.55% | 115.43% | 142.05% | -1,713 bps | |
| Non-Interest Burden | 5.65% | 4.67% | 5.11% | 4.54% | 5.62% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.04% | -4.99% | -2.00% | -5.83% | -3.23% | +481 bps | |
| Loan Growth (YoY) | -10.92% | -10.30% | -0.82% | 5.58% | 6.96% | +1,788 bps | |
| Deposit Growth (YoY) | -8.31% | -4.72% | -2.14% | -6.32% | -3.72% | +459 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.13% | 0.22% | 0.48% | 0.14% | 0.00% | -113 bps | |
| Allowance / Loans | 1.41% | 1.44% | 1.36% | 1.33% | 1.37% | -5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 5.56% | 5.35% | 6.70% | 6.62% | 6.46% | +90 bps | |
| Total Risk-Based Capital | 8.68% | 8.32% | 9.89% | 10.02% | 9.73% | +105 bps | |
| Equity / Assets | 6.56% | 6.28% | 6.99% | 7.30% | 6.97% | +41 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.92% | 69.83% | 71.81% | 78.56% | 77.68% | +775 bps | |
| Liquid Assets / Assets | 12.79% | 12.78% | 12.88% | 9.59% | 10.83% | -196 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |