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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 1.21% | 0.86% | 1.09% | 0.69% | 0.60% | 0.33% | 0.47% | -62 bps | |
| Return on Equity | 6.18% | 10.04% | 7.07% | 9.37% | 6.48% | 5.97% | 3.25% | 4.70% | -467 bps | |
| Net Interest Margin | 3.69% | 3.70% | 3.50% | 3.66% | 3.58% | 3.58% | 3.43% | 3.48% | -17 bps | |
| Efficiency Ratio | 82.63% | 76.67% | 73.41% | 68.12% | 74.92% | 80.82% | 86.28% | 83.48% | +1,536 bps | |
| Non-Interest Burden | 2.68% | 2.25% | 2.12% | 1.88% | 2.46% | 2.76% | 2.84% | 2.70% | +82 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 | -0.62% | -0.03% | 0.12% | -0.11% | 0.24% | -0.12% | -0.10% | 0.75% | +87 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 |