Canton, GA · Cert 35136
FDIC
Q4 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01%1 | 0.05%1 | 0.08%1 | 0.11%1 | 0.77% | 0.79% | 0.55% | 0.46% | +34 bps | |
| Return on Equity | 0.10% | 0.68% | 1.21% | 1.64% | 10.61% | 10.92% | 7.69% | 6.47% | +484 bps | |
| Net Interest Margin | 3.23% | 3.16% | 3.19% | 3.26% | 3.46% | 3.43% | 3.44% | 3.49% | +23 bps | |
| Efficiency Ratio | 93.58% | 91.82% | 91.65% | 90.77% | 74.53% | 77.75% | 83.92% | 86.79% | -398 bps | |
| Non-Interest Burden | 2.97% | 2.83% | 2.86% | 2.89% | 2.34% | 2.48% | 2.76% | 2.93% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.16% | 2.84% | 3.03% | -1.58% | -1.72% | -5.12% | -7.63% | 3.10% | +468 bps | |
| Loan Growth (YoY) | -10.84% | -9.82% | -3.85% | -1.34% | 0.51% | -1.41% | -6.96% | -2.67% | -133 bps | |
| Deposit Growth (YoY) | 0.26% | 8.44% | 8.67% | -1.86% | -2.10% | -5.73% | -8.08% | 3.06% | +492 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 | 0.15% | 1.60% | 1.16% | 1.07% | -0.01% | -0.25% | -0.01% | -0.06% | -113 bps | |
| Allowance / Loans | 2.56% | 2.04% | 2.05% | 2.11% | 2.26% | 2.40% | 2.38% | 2.40% | +29 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 | 11.48% | 11.27% | 11.11% | 11.55% | 11.88% | 12.16% | 12.53% | 12.48% | +94 bps | |
| Equity / Assets | 6.94% | 6.64% | 6.60% | 7.23% | 7.31% | 7.09% | 6.87% | 6.84% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.17% | 68.82% | 68.97% | 74.23% | 73.07% | 71.98% | 69.81% | 70.10% | -413 bps | |
| Liquid Assets / Assets | 16.14% | 12.79% | 15.69% | 9.12% | 10.02% | 10.02% | 13.90% | 12.82% | +370 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |