Brunswick, GA · Charter 4425
Q3 2014
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.17% | 0.19% | 0.43% | 0.52% | 0.50% | 0.48% | 0.24% | -0.06% | -58 bps | |
| Return on Equity | -92.06% | 5.70% | 12.88% | 15.60% | 15.58% | 15.40% | 7.78% | -2.03% | -1,763 bps | |
| Net Interest Margin | 4.11% | 4.18% | 4.04% | 4.39% | 4.17% | 4.75% | 4.81% | 4.97% | +59 bps | |
| Efficiency Ratio | 187.21% | 96.75% | 89.37% | 82.77% | 84.62% | 90.62% | 93.18% | 97.02% | +1,425 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.37% | 9.42% | 16.93% | 22.98% | 26.96% | 30.76% | 23.40% | 12.49% | -1,048 bps | |
| Loan Growth (YoY) | 17.05% | 33.19% | 43.61% | 64.02% | 54.56% | 47.58% | 32.34% | 9.54% | -5,448 bps | |
| Share Growth (YoY) | 5.49% | 6.95% | 19.42% | 25.26% | 24.20% | 35.74% | 22.27% | 8.65% | -1,661 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.45% | 4.64% | 5.20% | 4.06% | 3.80% | 2.94% | 1.72% | 3.13% | -93 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.07% | 1.06% | 0.89% | 0.93% | 0.74% | 0.75% | 0.81% | 0.93% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 3.45% | 3.34% | 3.33% | 3.35% | 3.22% | 3.10% | 3.11% | 3.06% | -28 bps | |
| Net Worth / Assets | 3.45% | 3.34% | 3.33% | 3.35% | 3.22% | 3.10% | 3.11% | 3.06% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.98% | 76.69% | 80.54% | 89.17% | 93.31% | 83.38% | 87.17% | 89.90% | +73 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |