Augusta, GA · Cert 27574
FDIC · 12 branches
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, 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.
Augusta, GA · Cert 27574
FDIC · 12 branches
Q4 2016
Market Position · Augusta-Richmond County, GA-SC · 2016 SOD (annual) · 19.9% share · #2 of 20 inst. · $1.6B of $8.0B
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 1.16% | 1.15% | 1.13% | 1.05% | 1.10% | 1.12% | 1.11% | -2 bps | |
| Return on Equity | 10.32% | 11.99% | 11.78% | 11.56% | 10.62% | 11.01% | 11.04% | 10.98% | -58 bps | |
| Net Interest Margin | 3.04% | 3.08% | 3.04% | 2.99% | 3.08% | 3.00% | 3.01% | 3.01% | +2 bps | |
| Efficiency Ratio | 60.90% | 62.18% | 61.24% | 60.73% | 61.03% | 60.28% | 60.02% | 59.52% | -121 bps | |
| Non-Interest Burden | 1.43% | 1.51% | 1.43% | 1.40% | 1.47% | 1.36% | 1.35% | 1.34% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.12% | 0.77% | 3.61% | 6.22% | 4.05% | 5.86% | 3.18% | 0.04% | -618 bps | |
| Loan Growth (YoY) | 5.14% | -1.60% | 1.65% | 4.37% | 6.06% | 7.41% | 5.44% | 6.61% | +224 bps | |
| Deposit Growth (YoY) | 2.24% | 0.35% | 2.91% | 4.70% | 2.26% | 3.43% | 1.23% | 0.08% | -462 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 | 0.27% | 0.00% | 0.18% | 0.24% | 0.09% | 0.08% | 0.07% | 0.20% | -5 bps | |
| Allowance / Loans | 2.57% | 2.41% | 2.23% | 2.08% | 2.06% | 2.06% | 2.04% | 1.83% | -25 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 | 9.72% | 9.77% | 9.80% | 9.74% | 9.97% | 9.90% | 10.11% | 10.29% | +55 bps | |
| Total Risk-Based Capital | 15.35% | 15.83% | 15.74% | 15.35% | 15.55% | 15.53% | 15.82% | 15.99% | +64 bps | |
| Equity / Assets | 9.67% | 9.71% | 9.95% | 9.78% | 10.00% | 10.22% | 10.41% | 10.24% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.11% | 62.90% | 64.29% | 66.85% | 66.49% | 65.32% | 66.97% | 71.21% | +437 bps | |
| Liquid Assets / Assets | 3.18% | 3.47% | 1.98% | 1.46% | 3.84% | 3.17% | 3.78% | 2.48% | +101 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |