Dalton, GA · Cert 35173
FDIC · 2 branches
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Dalton, GA · Cert 35173
FDIC · 2 branches
Q2 2014
Market Position · Dalton, GA · 2014 SOD (annual) · 5.0% share · #9 of 13 inst. · $0.1B of $2.4B
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70%1 | 0.59%1 | 0.52%1 | 0.53%1 | 0.59% | 0.56% | 0.88% | 0.56% | +3 bps | |
| Return on Equity | 7.26% | 6.08% | 5.21% | 5.40% | 6.15% | 5.91% | 9.59% | 5.97% | +57 bps | |
| Net Interest Margin | 3.30% | 3.33% | 3.11% | 3.03% | 3.11% | 3.23% | 3.69% | 3.62% | +60 bps | |
| Efficiency Ratio | 92.00% | 86.61% | 104.08% | 96.80% | 87.57% | 85.61% | 70.91% | 84.06% | -1,275 bps | |
| Non-Interest Burden | 3.02% | 2.88% | 3.24% | 2.93% | 2.71% | 2.74% | 2.47% | 2.97% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.09% | 3.98% | -1.74% | -2.91% | 0.77% | -2.78% | -2.39% | 2.02% | +493 bps | |
| Loan Growth (YoY) | 0.88% | -2.37% | -1.56% | 4.20% | 10.65% | 10.12% | 11.15% | 11.75% | +755 bps | |
| Deposit Growth (YoY) | 16.65% | 6.95% | -2.90% | -2.82% | 2.12% | 0.75% | -1.99% | 2.10% | +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 | 1.37% | 1.26% | 0.12% | 0.29% | 0.18% | 0.17% | 0.00% | 0.00% | -29 bps | |
| Allowance / Loans | 2.08% | 2.21% | 2.19% | 2.02% | 1.96% | 2.00% | 1.99% | 1.93% | -9 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 | 17.47% | 17.22% | 17.30% | 16.46% | 16.01% | 15.76% | 16.08% | 15.64% | -82 bps | |
| Equity / Assets | 10.00% | 10.05% | 9.85% | 9.31% | 9.00% | 8.96% | 9.50% | 9.46% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.24% | 64.40% | 62.48% | 65.29% | 68.52% | 70.39% | 70.85% | 71.46% | +617 bps | |
| Liquid Assets / Assets | 0.28% | 0.36% | 0.18% | 0.25% | 0.16% | 0.19% | 0.25% | 0.27% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |