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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.45% | 1.27% | 0.70% | 0.90% | 1.03% | 0.64% | 0.84% | 0.94% | +4 bps | |
| Return on Equity | 12.81% | 11.35% | 6.35% | 8.03% | 9.09% | 5.70% | 6.28% | 6.66% | -137 bps | |
| Net Interest Margin | 3.26% | 3.22% | 3.28% | 3.28% | 3.31% | 3.31% | 3.86% | 3.81% | +53 bps | |
| Efficiency Ratio | 74.07% | 75.64% | 84.28% | 80.70% | 76.76% | 90.75% | 75.05% | 73.67% | -703 bps | |
| Non-Interest Burden | 1.70% | 1.86% | 2.49% | 2.29% | 2.05% | 2.81% | 2.19% | 2.03% | -27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.11% | 2.02% | 6.81% | 4.46% | 5.12% | 0.16% | 2.32% | 6.27% | +181 bps | |
| Loan Growth (YoY) | -11.64% | -2.62% | 5.26% | 12.89% | 14.51% | 9.08% | 5.55% | 4.24% | -865 bps | |
| Deposit Growth (YoY) | 0.70% | 0.60% | 0.88% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.46% | -0.47% | -0.25% | -0.35% | -0.28% | -0.43% | -0.01% | 0.02% | +37 bps | |
| Allowance / Loans | 1.78% | 1.75% | 1.68% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 11.87% | 11.97% | n/a | |
| Total Risk-Based Capital | 17.55% | 17.25% | 16.74% | 16.18% | 16.37% | 14.80% | 14.27% | 15.47% | -71 bps | |
| Equity / Assets | 11.27% | 10.87% | 11.23% | 11.55% | 11.73% | 11.01% | 15.72% | 15.42% | +387 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.58% | 72.84% | 73.98% | 80.52% | 78.01% | 79.02% | 77.59% | 81.10% | +58 bps | |
| Liquid Assets / Assets | 2.23% | 1.40% | 1.24% | 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 | n/a | n/a | n/a |