Vienna, GA · Cert 22309
FDIC
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Vienna, GA · Cert 22309
FDIC
Q4 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | 0.09% | 0.69% | 0.55% | 0.85% | 1.02% | 1.12% | 0.59% | +3 bps | |
| Return on Equity | 1.16% | 0.76% | 5.44% | 4.38% | 6.76% | 7.80% | 8.31% | 4.40% | +2 bps | |
| Net Interest Margin | 3.43% | 3.58% | 3.84% | 3.70% | 3.30% | 3.38% | 3.48% | 3.40% | -30 bps | |
| Efficiency Ratio | 43.77% | 48.40% | 46.63% | 49.51% | 68.25% | 68.98% | 68.14% | 65.97% | +1,646 bps | |
| Non-Interest Burden | 1.00% | 1.34% | 1.31% | 1.38% | 2.45% | 2.34% | 2.30% | 2.13% | +75 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.96% | -5.55% | -2.30% | -0.58% | -2.00% | 1.16% | -1.81% | -0.39% | +18 bps | |
| Loan Growth (YoY) | -10.61% | -12.23% | -13.99% | -14.31% | -20.52% | -16.64% | -16.88% | -12.01% | +230 bps | |
| Deposit Growth (YoY) | -3.20% | -4.99% | -2.17% | -0.98% | -2.84% | 0.09% | -3.40% | -0.86% | +12 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 | 0.55% | 1.39% | 0.92% | 2.53% | 1.20% | 0.76% | 0.49% | 1.21% | -132 bps | |
| Allowance / Loans | 4.22% | 4.44% | 4.73% | 4.04% | 4.38% | 4.13% | 4.14% | 4.59% | +55 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 | 20.89% | 20.88% | 21.66% | 22.24% | 26.54% | 26.74% | 26.47% | 26.11% | +386 bps | |
| Equity / Assets | 12.13% | 13.14% | 13.91% | 12.30% | 12.94% | 13.87% | 14.92% | 12.75% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.53% | 77.59% | 80.22% | 65.14% | 58.52% | 64.62% | 69.03% | 57.82% | -732 bps | |
| Liquid Assets / Assets | 28.28% | 23.05% | 22.79% | 25.87% | 37.82% | 35.88% | 34.56% | 32.23% | +635 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |