Lumpkin, GA · Cert 5691
FDIC · 3 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.
Lumpkin, GA · Cert 5691
FDIC · 3 branches
Q3 2015
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 | 0.09% | -1.08% | -0.79% | -0.74% | -0.67% | -0.23% | -0.30% | -1.58% | -84 bps | |
| Return on Equity | 2.09% | -32.70% | -22.73% | -20.20% | -17.93% | -5.14% | -7.22% | -38.17% | -1,797 bps | |
| Net Interest Margin | 3.54% | 3.23% | 3.18% | 3.24% | 3.19% | 2.87% | 2.85% | 2.93% | -32 bps | |
| Efficiency Ratio | 87.50% | 124.15% | 115.06% | 111.71% | 109.73% | 106.37% | 104.21% | 109.73% | -198 bps | |
| Non-Interest Burden | 3.01% | 4.05% | 3.70% | 3.68% | 3.54% | 3.07% | 2.96% | 3.23% | -45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.85% | -3.00% | 2.33% | 2.51% | 5.06% | 6.84% | 5.79% | 3.06% | +55 bps | |
| Loan Growth (YoY) | -13.65% | -13.00% | -9.93% | -6.86% | -8.34% | -4.20% | 2.14% | -1.94% | +492 bps | |
| Deposit Growth (YoY) | -0.61% | -0.53% | 4.39% | 4.95% | 3.95% | 5.53% | 5.87% | 3.43% | -151 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 | 1.28% | 0.71% | 1.43% | 0.94% | 0.66% | -0.08% | -0.11% | 0.00% | -94 bps | |
| Allowance / Loans | 2.27% | 2.33% | 2.07% | 2.25% | 2.70% | 2.66% | 2.63% | 2.58% | +33 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 | 4.27% | 4.01% | 3.20% | n/a | |
| Total Risk-Based Capital | 8.27% | 8.61% | 9.44% | 9.21% | 10.13% | 11.34% | 10.93% | 8.78% | -43 bps | |
| Equity / Assets | 3.14% | 3.47% | 3.85% | 4.20% | 4.09% | 4.69% | 3.83% | 3.96% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 38.53% | 37.44% | 35.83% | 39.51% | 33.98% | 33.99% | 34.57% | 37.46% | -205 bps | |
| Liquid Assets / Assets | 6.86% | 13.21% | 12.32% | 10.26% | 22.63% | 22.82% | 26.25% | 15.29% | +503 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |