Fayetteville, GA · Cert 35259
FDIC · 7 branches
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Fayetteville, GA · Cert 35259
FDIC · 7 branches
Q3 2015
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2015 SOD (annual) · 0.2% share · #34 of 97 inst. · $0.3B of $146.1B
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.78% | 0.47% | -0.08% | -0.46% | -0.76% | -7.03% | -3.49% | -2.45% | -200 bps | |
| Return on Equity | -14.44% | 9.70% | -1.71% | -9.73% | -16.46% | -210% | -115.38% | -84.93% | -7,520 bps | |
| Net Interest Margin | 2.97% | 2.89% | 2.85% | 2.73% | 2.81% | 2.81% | 2.83% | 2.78% | +5 bps | |
| Efficiency Ratio | 102.97% | 83.19% | 48.42% | 66.83% | 79.68% | n/a | n/a | n/a | n/a | |
| Non-Interest Burden | 3.07% | 2.26% | -0.78% | 0.96% | 1.86% | 10.53% | 6.74% | 5.53% | +457 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.13% | -6.22% | -2.58% | -3.17% | -1.05% | -4.12% | -9.73% | -10.36% | -719 bps | |
| Loan Growth (YoY) | -9.64% | -9.69% | -24.13% | -21.04% | -15.07% | -16.15% | -1.05% | -3.78% | +1,726 bps | |
| Deposit Growth (YoY) | -6.60% | -5.88% | -1.96% | -2.90% | -0.82% | -1.12% | -6.83% | -10.42% | -753 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 | 0.79% | 0.13% | 6.81% | 4.82% | 3.45% | 0.04% | 0.20% | 0.19% | -463 bps | |
| Allowance / Loans | 1.82% | 1.87% | 2.32% | 2.11% | 2.01% | 2.03% | 2.03% | 2.05% | -6 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 | 1.21% | 1.27% | 1.25% | n/a | |
| Total Risk-Based Capital | 6.29% | 6.58% | 6.59% | 5.95% | 5.36% | 2.99% | 2.96% | 3.05% | -290 bps | |
| Equity / Assets | 4.78% | 5.00% | 4.70% | 4.35% | 4.17% | 2.49% | 2.36% | 2.46% | -188 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.18% | 72.46% | 55.90% | 57.14% | 61.80% | 61.45% | 59.37% | 61.38% | +424 bps | |
| Liquid Assets / Assets | 4.02% | 4.46% | 11.74% | 5.79% | 2.53% | 8.89% | 7.06% | 7.52% | +173 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |