Marietta, GA · Cert 57732
FDIC · 2 branches
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 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.
Marietta, GA · Cert 57732
FDIC · 2 branches
Q2 2015
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2015 SOD (annual) · 0.1% share · #59 of 97 inst. · $0.1B of $146.1B
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.41% | 0.66% | 0.71% | 0.65% | 0.69% | 0.68% | 0.71% | 0 bps | |
| Return on Equity | 3.97% | 4.12% | 6.33% | 6.76% | 6.16% | 6.41% | 6.15% | 6.50% | -27 bps | |
| Net Interest Margin | 3.57% | 3.60% | 3.69% | 3.62% | 3.58% | 3.60% | 3.42% | 3.35% | -26 bps | |
| Efficiency Ratio | 79.54% | 77.66% | 69.15% | 67.84% | 69.78% | 70.19% | 70.84% | 69.61% | +177 bps | |
| Non-Interest Burden | 2.81% | 2.76% | 2.46% | 2.33% | 2.41% | 2.43% | 2.29% | 2.21% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.69% | -5.09% | -2.69% | -1.47% | -1.66% | 1.88% | 4.95% | 6.21% | +768 bps | |
| Loan Growth (YoY) | -1.29% | -5.06% | -5.05% | -7.40% | -7.07% | -0.30% | 1.74% | 5.29% | +1,268 bps | |
| Deposit Growth (YoY) | -3.15% | -6.69% | -3.98% | -3.45% | -3.84% | -1.78% | 4.70% | 6.55% | +1,000 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 | 0.00% | 0.00% | 0.95% | 1.13% | 0.75% | 0.59% | 0.22% | 0.11% | -102 bps | |
| Allowance / Loans | 2.18% | 2.41% | 2.29% | 2.06% | 2.09% | 2.02% | 1.99% | 1.97% | -9 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 | 11.00% | 10.83% | n/a | |
| Total Risk-Based Capital | 14.56% | 15.38% | 15.84% | 16.16% | 16.31% | 16.32% | 16.61% | 16.66% | +50 bps | |
| Equity / Assets | 9.80% | 10.38% | 10.36% | 10.74% | 10.79% | 11.22% | 10.77% | 10.87% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.68% | 82.35% | 78.05% | 78.68% | 77.97% | 83.59% | 75.85% | 77.74% | -93 bps | |
| Liquid Assets / Assets | 9.54% | 7.71% | 11.80% | 11.66% | 11.88% | 12.01% | 21.57% | 20.01% | +836 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |