Cairo, GA · Cert 5712
FDIC · 1 branch
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.
Cairo, GA · Cert 5712
FDIC · 1 branch
Q3 2016
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 | -0.06% | -0.07% | -0.24% | -0.08% | -0.14% | -0.31% | -0.42% | -1.09% | -101 bps | |
| Return on Equity | -0.57% | -0.61% | -1.96% | -0.64% | -1.14% | -2.29% | -3.05% | -7.86% | -723 bps | |
| Net Interest Margin | 2.78% | 3.10% | 3.11% | 3.37% | 3.41% | 3.57% | 3.53% | 3.53% | +16 bps | |
| Efficiency Ratio | 101.94% | 102.13% | 106.89% | 102.20% | 103.87% | 108.15% | 110.90% | 127.88% | +2,568 bps | |
| Non-Interest Burden | 2.84% | 3.17% | 3.35% | 3.45% | 3.56% | 3.90% | 3.96% | 4.64% | +119 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.16% | -7.52% | -20.28% | -13.20% | -22.55% | -8.42% | -9.21% | -5.46% | +774 bps | |
| Loan Growth (YoY) | 3.95% | 1.65% | 4.67% | 11.02% | 4.04% | 0.51% | -5.09% | -8.68% | -1,969 bps | |
| Deposit Growth (YoY) | 7.00% | -8.71% | -22.63% | -15.06% | -25.13% | -9.42% | -10.48% | -5.42% | +964 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 | 0.59% | -0.04% | 0.03% | 0.01% | 0.00% | 2.95% | 1.58% | 1.06% | +105 bps | |
| Allowance / Loans | 2.22% | 2.22% | 2.12% | 2.09% | 2.14% | 1.47% | 1.46% | 1.51% | -58 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 | 12.17% | 12.29% | 13.17% | 13.19% | 14.11% | 14.08% | 13.61% | +44 bps | |
| Total Risk-Based Capital | 24.46% | 23.39% | 24.51% | 23.28% | 23.94% | 24.02% | 24.42% | 23.98% | +70 bps | |
| Equity / Assets | 10.54% | 13.03% | 13.03% | 13.81% | 13.48% | 14.00% | 14.19% | 13.69% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.24% | 64.03% | 67.23% | 72.29% | 69.82% | 71.05% | 71.29% | 69.80% | -249 bps | |
| Liquid Assets / Assets | 31.73% | 17.68% | 13.23% | 7.79% | 11.86% | 6.62% | 6.73% | 5.06% | -272 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |