Thomson, GA · Cert 27423
FDIC · 7 branches
Q2 2015
Market Position · Augusta-Richmond County, GA-SC · 2015 SOD (annual) · 5.5% share · #8 of 20 inst. · $0.4B of $7.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.10% | 1.30% | -0.53% | 0.84% | 1.03% | -6 bps | |
| Return on Equity | 9.62% | 11.14% | -4.63% | 6.28% | 6.62% | -300 bps | |
| Net Interest Margin | 3.36% | 3.41% | 3.33% | 3.86% | 3.83% | +47 bps | |
| Efficiency Ratio | 77.41% | 70.20% | 131.69% | 75.05% | 72.38% | -503 bps | |
| Non-Interest Burden | 2.15% | 1.59% | 5.09% | 2.19% | 1.90% | -25 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.46% | 5.12% | 0.16% | 2.32% | 6.27% | +181 bps | |
| Loan Growth (YoY) | 12.89% | 14.51% | 9.08% | 5.55% | 4.24% | -865 bps | |
| Deposit Growth (YoY) | -1.74% | -0.79% | 0.55% | 0.64% | 3.49% | +524 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.46% | -0.13% | -0.90% | -0.01% | 0.05% | +51 bps | |
| Allowance / Loans | 1.57% | 1.58% | 1.52% | 0.09% | 0.15% | -142 bps | |
| Allowance Coverage of NPLs | 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 | 11.87% | 11.97% | n/a | |
| Total Risk-Based Capital | 16.18% | 16.37% | 14.80% | 14.27% | 15.47% | -71 bps | |
| Equity / Assets | 11.55% | 11.73% | 11.01% | 15.72% | 15.42% | +387 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.52% | 78.01% | 79.02% | 77.59% | 81.10% | +58 bps | |
| Liquid Assets / Assets | 1.18% | 2.86% | 2.52% | 2.11% | 3.26% | +208 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |