Vienna, GA · Cert 22309
FDIC
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.04% | 1.99% | 0.16% | 0.85% | 1.18% | 1.34% | -0.99% | -115 bps | |
| Return on Equity | 1.16% | 0.35% | 14.68% | 1.24% | 6.76% | 8.83% | 9.30% | -7.18% | -842 bps | |
| Net Interest Margin | 3.43% | 3.58% | 3.89% | 3.69% | 3.30% | 3.30% | 3.36% | 3.46% | -23 bps | |
| Efficiency Ratio | 43.77% | 53.42% | 43.37% | 58.04% | 68.25% | 69.52% | 66.67% | 60.33% | +229 bps | |
| Non-Interest Burden | 1.00% | 1.64% | 1.06% | 1.75% | 2.45% | 2.11% | 2.01% | 1.82% | +7 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% | 2.22% | -0.02% | 7.16% | 1.20% | 0.36% | -0.05% | 3.36% | -380 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 |