Atlanta, GA · Cert 57580
FDIC · 2 branches
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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 57580
FDIC · 2 branches
Q3 2014
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2014 SOD (annual) · 0.1% share · #51 of 100 inst. · $0.2B 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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 1.21% | 1.03% | 1.05% | 0.96% | 0.60% | 0.46% | 0.46% | -59 bps | |
| Return on Equity | 7.41% | 10.04% | 8.58% | 8.83% | 8.36% | 5.97% | 4.59% | 4.64% | -420 bps | |
| Net Interest Margin | 3.54% | 3.70% | 3.58% | 3.56% | 3.46% | 3.58% | 3.49% | 3.36% | -20 bps | |
| Efficiency Ratio | 76.55% | 76.67% | 75.18% | 72.83% | 73.28% | 80.82% | 83.59% | 83.55% | +1,072 bps | |
| Non-Interest Burden | 2.17% | 2.25% | 2.17% | 2.05% | 2.09% | 2.76% | 2.78% | 2.65% | +61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.54% | -4.94% | -0.39% | 2.95% | 5.00% | 8.86% | 7.30% | 8.59% | +565 bps | |
| Loan Growth (YoY) | 16.01% | 5.88% | 4.00% | 2.30% | -6.30% | 1.27% | 5.52% | 14.75% | +1,245 bps | |
| Deposit Growth (YoY) | -0.64% | -6.40% | 2.13% | 5.28% | 11.90% | 16.62% | 10.88% | 13.91% | +863 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 | 0.42% | -0.03% | 0.05% | -0.01% | 0.06% | -0.12% | -0.11% | 0.19% | +19 bps | |
| Allowance / Loans | 1.94% | 1.86% | 1.86% | 1.88% | 1.82% | 1.77% | 1.76% | 1.42% | -46 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.77% | 14.11% | 13.90% | 13.68% | 12.23% | 12.55% | 12.62% | 11.87% | -181 bps | |
| Equity / Assets | 11.63% | 12.52% | 11.80% | 11.56% | 9.74% | 10.22% | 10.17% | 9.81% | -175 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.93% | 97.15% | 88.03% | 85.88% | 80.33% | 84.36% | 83.78% | 86.51% | +63 bps | |
| Liquid Assets / Assets | 3.97% | 4.16% | 3.34% | 3.69% | 5.70% | 6.64% | 8.37% | 7.25% | +355 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |