Atlanta, GA · Charter 24161
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 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.
Atlanta, GA · Charter 24161
Q4 2014
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.03% | -0.67% | -0.51% | -0.52% | -0.42% | -0.12% | -0.18% | +33 bps | |
| Return on Equity | 12.31% | 0.41% | -9.30% | -7.40% | -7.60% | -6.25% | -1.68% | -2.15% | +525 bps | |
| Net Interest Margin | 2.79% | 2.53% | 2.45% | 2.31% | 2.08% | 1.98% | 2.17% | 2.45% | +14 bps | |
| Efficiency Ratio | 75.04% | 85.98% | 90.55% | 94.00% | 113.01% | 112.92% | 102.18% | 102.12% | +811 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.96% | -4.33% | -7.09% | 2.55% | 0.93% | 1.74% | -0.97% | -19.23% | -2,178 bps | |
| Loan Growth (YoY) | -16.95% | -18.49% | -21.65% | -29.01% | -18.65% | -16.93% | -21.31% | -26.51% | +251 bps | |
| Share Growth (YoY) | -4.07% | -5.09% | -7.22% | 3.34% | 1.97% | 2.79% | -0.98% | -20.76% | -2,410 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.97% | 9.57% | 12.54% | 7.46% | 12.22% | 27.69% | 29.79% | 15.45% | +799 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 | 0.48% | 0.90% | 2.06% | 2.26% | 1.34% | 1.45% | 1.56% | 2.12% | -14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.69% | 7.64% | 7.24% | 6.92% | 6.87% | 6.77% | 7.19% | 8.39% | +147 bps | |
| Net Worth / Assets | 7.69% | 7.64% | 7.24% | 6.92% | 6.87% | 6.77% | 7.19% | 8.39% | +147 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.26% | 28.90% | 28.63% | 24.99% | 24.94% | 23.36% | 22.75% | 23.18% | -181 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |