Athens, GA · Cert 35338
FDIC · 2 branches
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, 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.
Athens, GA · Cert 35338
FDIC · 2 branches
Q3 2016
Market Position · Athens-Clarke County, GA · 2016 SOD (annual) · 5.8% share · #7 of 17 inst. · $0.2B of $3.9B
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.15% | 1.22% | 1.24% | 1.29% | 1.18% | 1.20% | 1.21% | -3 bps | |
| Return on Equity | 11.90% | 11.65% | 12.20% | 12.26% | 12.57% | 11.39% | 11.64% | 11.72% | -54 bps | |
| Net Interest Margin | 3.80% | 3.72% | 3.72% | 3.74% | 3.69% | 3.69% | 3.50% | 3.48% | -26 bps | |
| Efficiency Ratio | 56.03% | 54.20% | 54.25% | 54.16% | 52.24% | 51.76% | 51.05% | 50.21% | -395 bps | |
| Non-Interest Burden | 1.98% | 1.83% | 1.82% | 1.85% | 1.75% | 1.76% | 1.63% | 1.58% | -27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.03% | 2.88% | -0.42% | 5.39% | 3.59% | 9.91% | 13.84% | 11.74% | +635 bps | |
| Loan Growth (YoY) | 10.34% | 7.48% | 8.05% | 6.41% | 4.78% | 2.64% | 5.69% | 9.31% | +290 bps | |
| Deposit Growth (YoY) | 16.42% | 8.44% | 2.43% | 1.68% | 3.22% | 2.74% | 7.29% | 7.11% | +544 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 | -0.03% | -0.01% | 0.00% | 0.03% | 0.02% | -0.05% | -0.03% | -0.01% | -4 bps | |
| Allowance / Loans | 1.34% | 1.32% | 1.31% | 1.29% | 1.30% | 1.31% | 1.26% | 1.25% | -4 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 | 9.96% | 10.19% | 10.54% | 10.73% | 10.66% | 10.33% | 10.43% | -11 bps | |
| Total Risk-Based Capital | 12.76% | 12.59% | 12.93% | 13.20% | 13.47% | 13.28% | 13.11% | 13.19% | -1 bps | |
| Equity / Assets | 9.82% | 9.90% | 10.31% | 10.48% | 10.75% | 10.07% | 10.14% | 10.47% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 107.28% | 105.95% | 108.57% | 108.22% | 108.90% | 105.85% | 106.95% | 110.44% | +222 bps | |
| Liquid Assets / Assets | 0.36% | 0.28% | 0.29% | 1.03% | 0.29% | 4.18% | 10.63% | 6.57% | +555 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |