Albany, GA · Cert 50028
FDIC · 35 branches
Q2 2015
Market Position · Albany, GA · 2015 SOD (annual) · 12.7% share · #2 of 15 inst. · $0.3B of $2.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 1.07% | 0.42% | 0.53% | 0.53% | 0.62% | 0.92% | -1.12% | -166 bps | |
| Return on Equity | 5.22% | 13.07% | 5.20% | 6.66% | 6.33% | 7.07% | 10.49% | -13.33% | -1,999 bps | |
| Net Interest Margin | 3.79% | 4.83% | 4.04% | 4.34% | 4.31% | 4.01% | 4.24% | 4.61% | +27 bps | |
| Efficiency Ratio | 85.38% | 73.61% | 86.39% | 84.21% | 85.69% | 84.14% | 78.17% | 121.14% | +3,693 bps | |
| Non-Interest Burden | 3.09% | 3.24% | 3.41% | 3.50% | 3.44% | 3.10% | 2.78% | 6.12% | +262 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.35% | 25.79% | 3.12% | 11.50% | 32.77% | 23.58% | 27.92% | 25.67% | +1,417 bps | |
| Loan Growth (YoY) | 28.80% | 32.64% | 21.34% | 19.52% | 47.13% | 37.07% | 43.92% | 53.12% | +3,360 bps | |
| Deposit Growth (YoY) | 23.19% | 23.00% | 2.99% | 13.55% | 27.50% | 22.07% | 22.93% | 12.81% | -74 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 | 0.24% | 0.08% | -0.01% | 0.07% | 0.06% | 0.05% | 0.03% | -0.03% | -10 bps | |
| Allowance / Loans | 1.08% | 0.98% | 0.98% | 0.97% | 0.81% | 0.80% | 0.74% | 0.70% | -28 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 | 8.33% | 7.91% | n/a | |
| Total Risk-Based Capital | 14.36% | 13.19% | 12.93% | 12.81% | 12.18% | 12.35% | 12.42% | 11.67% | -114 bps | |
| Equity / Assets | 8.36% | 8.06% | 8.10% | 7.96% | 8.60% | 8.92% | 8.66% | 8.18% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.13% | 83.71% | 82.42% | 79.84% | 90.16% | 94.00% | 96.49% | 108.37% | +2,853 bps | |
| Liquid Assets / Assets | 1.06% | 0.24% | 0.74% | 3.86% | 0.63% | 0.36% | 0.19% | 0.20% | -366 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |