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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.03% | 0.01%1 | 0.46% | 0.54% | 0.00% | 0.27% | 0.65% | -2.39% | -293 bps | |
| Return on Equity | -0.35% | 0.10% | 4.47% | 5.24% | 0.03% | 2.57% | 6.20% | -22.86% | -2,810 bps | |
| Net Interest Margin | 3.47% | 3.43% | 3.18% | 3.40% | 3.62% | 3.87% | 3.91% | 3.85% | +45 bps | |
| Efficiency Ratio | 115.19% | 99.61% | 83.49% | 77.08% | 87.43% | 89.76% | 80.92% | 181.86% | +10,478 bps | |
| Non-Interest Burden | 4.04% | 3.45% | 2.44% | 2.25% | 3.08% | 3.41% | 2.99% | 7.94% | +568 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 | 0.72% | 0.56% | 0.40% | 0.75% | 1.11% | 0.37% | -0.33% | 0.36% | -39 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 |