Lumpkin, GA · Cert 5691
FDIC · 3 branches
Q3 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.62% | -0.49% | -0.23% | -0.38% | -4.18% | -357 bps | |
| Return on Equity | -15.38% | -11.93% | -5.14% | -8.90% | -107.40% | -9,202 bps | |
| Net Interest Margin | 3.17% | 3.22% | 2.87% | 2.89% | 2.82% | -35 bps | |
| Efficiency Ratio | 105.67% | 103.69% | 106.37% | 101.97% | 122.79% | +1,712 bps | |
| Non-Interest Burden | 3.39% | 3.35% | 3.07% | 2.92% | 3.48% | +9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.51% | 5.06% | 6.84% | 5.79% | 3.06% | +55 bps | |
| Loan Growth (YoY) | -6.86% | -8.34% | -4.20% | 2.14% | -1.94% | +492 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.05% | -0.34% | -0.08% | -0.15% | 0.22% | +18 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | 4.27% | 4.01% | 3.20% | n/a | |
| Total Risk-Based Capital | 9.21% | 10.13% | 11.34% | 10.93% | 8.78% | -43 bps | |
| Equity / Assets | 4.20% | 4.09% | 4.69% | 3.83% | 3.96% | -24 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 39.51% | 33.98% | 33.99% | 34.57% | 37.46% | -205 bps | |
| Liquid Assets / Assets | 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 |