Camilla, GA · Cert 57786
FDIC · 1 branch
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 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.
Camilla, GA · Cert 57786
FDIC · 1 branch
Q1 2014
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.21% | -1.22% | -1.81% | -1.82% | -1.73% | -52 bps | |
| Return on Equity | -19.43% | -18.96% | -27.62% | -27.58% | -25.84% | -640 bps | |
| Net Interest Margin | 2.65% | 2.96% | 2.81% | 2.69% | 2.25% | -40 bps | |
| Efficiency Ratio | 143.52% | 140.00% | 157.93% | 159.04% | 151.23% | +771 bps | |
| Non-Interest Burden | 3.92% | 4.29% | 4.62% | 4.50% | 3.87% | -6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.50% | -11.64% | -11.88% | -35.67% | -25.68% | -1,619 bps | |
| Loan Growth (YoY) | -22.63% | -28.41% | -25.33% | -35.93% | -31.78% | -915 bps | |
| Deposit Growth (YoY) | -6.36% | -11.47% | -10.33% | -36.44% | -25.66% | -1,929 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | -0.02% | -0.02% | -0.04% | -4 bps | |
| Allowance / Loans | 3.40% | 3.49% | 3.54% | 4.67% | 5.00% | +160 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 11.89% | 12.09% | 11.41% | 12.67% | 12.42% | +53 bps | |
| Equity / Assets | 6.53% | 7.03% | 6.88% | 6.93% | 6.48% | -5 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 57.46% | 64.08% | 69.23% | 56.79% | 52.73% | -473 bps | |
| Liquid Assets / Assets | 1.76% | 2.01% | 2.22% | 2.40% | 2.39% | +64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |