Cartersville, GA · Charter 19963
Q2 2015
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.46% | -0.34% | 0.21% | 0.36% | 0.38% | -0.85% | 0.26% | 0.24% | -12 bps | |
| Return on Equity | -2.43% | -1.80% | 1.14% | 1.87% | 1.94% | -4.65% | 1.47% | 1.37% | -50 bps | |
| Net Interest Margin | 3.05% | 3.02% | 2.86% | 2.96% | 2.98% | 2.92% | 2.70% | 2.73% | -24 bps | |
| Efficiency Ratio | 103.56% | 100.56% | 99.40% | 94.74% | 92.33% | 116.08% | 94.45% | 92.12% | -262 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.65% | 2.90% | 0.82% | -3.98% | -1.71% | -2.00% | -0.86% | 3.29% | +727 bps | |
| Loan Growth (YoY) | 2.02% | 5.67% | 7.00% | 1.47% | 1.75% | -7.36% | -5.47% | -3.74% | -521 bps | |
| Share Growth (YoY) | 1.48% | 4.47% | 1.61% | -4.55% | -2.45% | -2.76% | -1.43% | 3.84% | +838 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.33% | 1.86% | 0.57% | 1.30% | 0.94% | 1.30% | 0.58% | 0.19% | -111 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.30% | 1.39% | 1.04% | 0.93% | 0.68% | 0.72% | 0.64% | 0.61% | -32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.94% | 18.76% | 18.51% | 19.26% | 19.56% | 18.30% | 17.86% | 17.77% | -149 bps | |
| Net Worth / Assets | 18.94% | 18.76% | 18.51% | 19.26% | 19.56% | 18.30% | 17.86% | 17.77% | -149 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.68% | 66.38% | 64.03% | 65.12% | 66.42% | 63.24% | 61.40% | 60.37% | -475 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |