Atlanta, GA · Cert 57521
FDIC · 9 branches
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 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.
Atlanta, GA · Cert 57521
FDIC · 9 branches
Q1 2015
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2014 SOD (annual) · 0.6% share · #18 of 100 inst. · $0.8B of $132.6B
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.68% | 0.38% | 0.84% | 0.89% | 0.97% | 0.94% | 1.29% | +45 bps | |
| Return on Equity | 6.12% | 6.36% | 3.53% | 7.65% | 8.06% | 8.68% | 8.47% | 11.58% | +393 bps | |
| Net Interest Margin | 3.84% | 3.85% | 3.97% | 4.31% | 4.27% | 4.24% | 4.22% | 4.33% | +2 bps | |
| Efficiency Ratio | 69.67% | 69.14% | 79.20% | 64.51% | 62.53% | 60.71% | 61.02% | 52.12% | -1,239 bps | |
| Non-Interest Burden | 2.53% | 2.51% | 3.12% | 2.87% | 2.73% | 2.58% | 2.58% | 2.09% | -77 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.80% | 14.05% | 28.71% | 34.28% | 22.55% | 36.76% | 8.80% | 9.73% | -2,455 bps | |
| Loan Growth (YoY) | 11.90% | 16.97% | 40.93% | 40.60% | 37.19% | 40.44% | 14.58% | 17.86% | -2,274 bps | |
| Deposit Growth (YoY) | 17.78% | 11.82% | 28.40% | 35.37% | 21.35% | 30.85% | 6.52% | 7.77% | -2,760 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 | 0.55% | 1.03% | 0.59% | -0.01% | 0.01% | 0.02% | 0.04% | 0.07% | +7 bps | |
| Allowance / Loans | 1.76% | 1.29% | 1.07% | 0.94% | 0.98% | 0.98% | 1.00% | 0.97% | +2 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 | n/a | 10.79% | n/a | n/a |
| Total Risk-Based Capital | 16.45% | 16.23% | 14.92% | 14.21% | 14.21% | 13.97% | 14.67% | 13.67% | -54 bps | |
| Equity / Assets | 10.09% | 11.01% | 11.10% | 10.86% | 11.37% | 11.16% | 11.26% | 11.03% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.80% | 82.32% | 80.80% | 78.93% | 83.43% | 88.35% | 86.92% | 86.32% | +739 bps | |
| Liquid Assets / Assets | 13.11% | 6.68% | 6.52% | 4.41% | 2.76% | 4.04% | 6.70% | 5.38% | +97 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |