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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.53% | 0.71% | 0.46% | 0.88% | 0.23% | -30 bps | |
| Return on Equity | 5.56% | 7.80% | 5.14% | 9.59% | 2.47% | -309 bps | |
| Net Interest Margin | 2.97% | 3.24% | 3.62% | 3.69% | 3.65% | +68 bps | |
| Efficiency Ratio | 89.15% | 72.10% | 80.43% | 70.91% | 97.21% | +806 bps | |
| Non-Interest Burden | 2.64% | 2.22% | 2.89% | 2.47% | 3.53% | +89 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.91% | 0.77% | -2.78% | -2.39% | 2.02% | +493 bps | |
| Loan Growth (YoY) | 4.20% | 10.65% | 10.12% | 11.15% | 11.75% | +755 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 0.47% | 0.00% | 0.15% | 0.00% | 0.00% | -47 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 16.46% | 16.01% | 15.76% | 16.08% | 15.64% | -82 bps | |
| Equity / Assets | 9.31% | 9.00% | 8.96% | 9.50% | 9.46% | +15 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.29% | 68.52% | 70.39% | 70.85% | 71.46% | +617 bps | |
| Liquid Assets / Assets | 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 |