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 (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 | -1.30% | -1.72% | -0.84% | -1.19% | -1.06% | -0.82% | -0.48% | -0.76% | +44 bps | |
| Return on Equity | -19.73% | -25.93% | -12.28% | -17.66% | -15.97% | -12.28% | -6.68% | -10.67% | +698 bps | |
| Net Interest Margin | 3.21% | 3.34% | 3.52% | 3.58% | 3.61% | 3.64% | 3.87% | 4.00% | +42 bps | |
| Efficiency Ratio | 150.34% | 158.61% | 127.17% | 142.90% | 136.25% | 136.07% | 115.43% | 127.52% | -1,538 bps | |
| Non-Interest Burden | 4.80% | 5.20% | 4.46% | 5.08% | 4.94% | 5.01% | 4.54% | 5.11% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.82% | 0.84% | -1.44% | -8.04% | -4.99% | -2.00% | -5.83% | -3.23% | +481 bps | |
| Loan Growth (YoY) | 9.35% | -1.62% | -4.56% | -10.92% | -10.30% | -0.82% | 5.58% | 6.96% | +1,788 bps | |
| Deposit Growth (YoY) | -5.73% | 1.11% | -1.63% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.33% | 2.57% | 0.07% | 0.60% | 0.47% | 0.46% | 0.14% | 0.07% | -53 bps | |
| Allowance / Loans | 2.31% | 1.33% | 1.52% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | 5.84% | 5.56% | 5.35% | 6.70% | 6.62% | 6.46% | +90 bps | |
| Total Risk-Based Capital | 7.80% | 9.22% | 9.01% | 8.68% | 8.32% | 9.89% | 10.02% | 9.73% | +105 bps | |
| Equity / Assets | 6.48% | 6.90% | 6.84% | 6.56% | 6.28% | 6.99% | 7.30% | 6.97% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.17% | 70.85% | 69.71% | 69.92% | 69.83% | 71.81% | 78.56% | 77.68% | +775 bps | |
| Liquid Assets / Assets | 9.06% | 13.02% | 13.32% | 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 | n/a | n/a | n/a |