Atlanta, GA · Cert 33938
FDIC · 8 branches
Q4 2014
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2014 SOD (annual) · 0.2% share · #37 of 100 inst. · $0.2B of $132.6B
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.04% | -1.95% | -1.64% | -1.79% | -0.55% | -2.33% | -1.57% | -1.20% | +59 bps | |
| Return on Equity | -25.85% | -53.69% | -49.56% | -59.80% | -31.68% | -157.26% | -113.62% | -88.66% | -2,886 bps | |
| Net Interest Margin | 2.90% | 2.83% | 2.81% | 2.83% | 2.74% | 2.62% | 2.77% | 2.83% | 0 bps | |
| Efficiency Ratio | 127.83% | 120.97% | 116.58% | 120.88% | 110.02% | 122.60% | 113.31% | 110.11% | -1,076 bps | |
| Non-Interest Burden | 3.89% | 3.57% | 3.39% | 3.54% | 3.08% | 3.32% | 3.22% | 3.19% | -35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.29% | -1.79% | -1.12% | -4.55% | -5.16% | -3.69% | -5.98% | -5.04% | -49 bps | |
| Loan Growth (YoY) | -1.51% | -2.29% | -3.12% | -3.76% | -5.20% | -8.34% | -9.03% | -9.35% | -559 bps | |
| Deposit Growth (YoY) | 0.31% | -0.18% | 1.19% | -2.04% | -2.35% | -1.86% | -4.90% | -4.71% | -266 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 | 0.82% | 2.13% | 1.54% | 1.32% | 1.17% | 3.36% | 2.28% | 1.72% | +40 bps | |
| Allowance / Loans | 2.31% | 2.51% | 2.70% | 2.97% | 2.79% | 2.69% | 2.78% | 2.82% | -16 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 | 5.85% | 5.11% | 4.87% | 4.24% | 4.09% | 3.00% | 3.06% | 3.12% | -112 bps | |
| Equity / Assets | 3.87% | 2.82% | 2.31% | 1.70% | 1.77% | 0.97% | 1.07% | 1.23% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.36% | 77.41% | 75.86% | 76.00% | 76.07% | 72.30% | 72.57% | 72.30% | -370 bps | |
| Liquid Assets / Assets | 0.31% | 0.23% | 0.21% | 0.21% | 0.25% | 0.25% | 0.26% | 0.26% | +5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |