Toccoa, GA · Cert 29511
FDIC · 3 branches
Q3 2014
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.73% | -0.95% | -0.26% | -0.37% | -0.39% | -0.89% | -0.65% | -0.31% | +6 bps | |
| Return on Equity | n/a | -23.22% | -6.26% | -8.83% | -9.32% | -21.49% | -15.87% | -7.51% | +131 bps | |
| Net Interest Margin | 3.29% | 3.08% | 3.08% | 3.16% | 3.24% | 3.09% | 3.16% | 3.14% | -2 bps | |
| Efficiency Ratio | 106.58% | 108.09% | 97.46% | 103.78% | 106.08% | 127.92% | 119.49% | 123.28% | +1,950 bps | |
| Non-Interest Burden | 3.53% | 3.34% | 2.99% | 3.30% | 3.46% | 3.98% | 3.81% | 3.91% | +61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.81% | -7.19% | -6.49% | -9.22% | -9.27% | -9.21% | -9.75% | -8.31% | +92 bps | |
| Loan Growth (YoY) | -8.91% | -12.75% | -14.21% | -12.84% | -10.12% | -8.44% | -8.78% | -9.52% | +331 bps | |
| Deposit Growth (YoY) | -2.70% | -5.06% | -4.56% | -9.14% | -9.29% | -9.24% | -9.62% | -8.33% | +81 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 | 1.58% | 1.54% | 1.44% | 1.48% | 1.16% | 0.50% | 0.69% | 0.65% | -82 bps | |
| Allowance / Loans | 3.21% | 3.19% | 3.00% | 2.64% | 2.67% | 2.59% | 2.49% | 1.93% | -71 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 | 7.30% | 7.11% | 7.25% | 7.10% | 7.09% | 6.94% | 7.07% | 7.27% | +16 bps | |
| Equity / Assets | 4.19% | 4.03% | 4.18% | 4.25% | 4.19% | 4.05% | 4.01% | 4.27% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.57% | 75.22% | 73.04% | 76.48% | 75.87% | 75.88% | 73.72% | 75.48% | -100 bps | |
| Liquid Assets / Assets | 13.92% | 14.55% | 15.28% | 11.56% | 12.76% | 12.90% | 15.21% | 13.60% | +204 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |