Savannah, GA · Cert 20134
FDIC · 7 branches
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Savannah, GA · Cert 20134
FDIC · 7 branches
Q2 2014
Market Position · Savannah, GA · 2014 SOD (annual) · 5.3% share · #7 of 24 inst. · $0.3B of $5.7B
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27%1 | 0.21%1 | 0.46% | 0.50% | 0.34% | 0.32% | 0.65% | -0.87% | -137 bps | |
| Return on Equity | 2.72% | 2.06% | 4.47% | 4.86% | 3.26% | 3.09% | 6.20% | -8.33% | -1,320 bps | |
| Net Interest Margin | 3.41% | 3.47% | 3.18% | 3.32% | 3.46% | 3.53% | 3.91% | 3.86% | +54 bps | |
| Efficiency Ratio | 102.69% | 101.87% | 83.49% | 80.16% | 82.40% | 84.23% | 80.92% | 131.35% | +5,119 bps | |
| Non-Interest Burden | 3.54% | 3.57% | 2.44% | 2.37% | 2.64% | 2.80% | 2.99% | 5.45% | +308 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.39% | -1.68% | -0.25% | -6.58% | -3.51% | -0.64% | -3.77% | 2.85% | +942 bps | |
| Loan Growth (YoY) | -6.12% | -6.53% | -4.05% | -1.05% | 3.34% | 3.27% | 5.71% | 5.09% | +614 bps | |
| Deposit Growth (YoY) | 2.45% | -2.27% | -1.21% | -3.71% | -3.35% | -0.74% | -2.14% | -0.59% | +312 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 | 1.13% | 0.99% | 0.40% | 0.57% | 0.74% | 0.65% | -0.33% | 0.02% | -55 bps | |
| Allowance / Loans | 1.29% | 1.27% | 1.26% | 1.18% | 1.12% | 1.10% | 1.18% | 1.06% | -12 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.43% | 13.35% | 13.54% | 13.59% | 13.46% | 13.48% | 14.19% | 12.75% | -84 bps | |
| Equity / Assets | 10.10% | 10.31% | 10.19% | 10.49% | 10.38% | 10.29% | 10.79% | 10.09% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.70% | 77.90% | 75.18% | 77.77% | 82.01% | 81.05% | 81.22% | 82.22% | +445 bps | |
| Liquid Assets / Assets | 7.57% | 4.93% | 7.46% | 2.96% | 3.34% | 5.07% | 4.26% | 3.65% | +69 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |