Conyers, GA · Cert 58125
FDIC · 2 branches
Q2 2014
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2014 SOD (annual) · 0.1% share · #50 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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.31% | 0.25% | -0.33% | -1.84% | -1.66% | -197 bps | |
| Return on Equity | 13.42% | 11.30% | -16.17% | -143.84% | -142.78% | -15,620 bps | |
| Net Interest Margin | 2.42% | 2.41% | 2.40% | 2.28% | 2.26% | -16 bps | |
| Efficiency Ratio | 101.11% | 96.97% | 100.47% | 131.11% | 132.02% | +3,091 bps | |
| Non-Interest Burden | 2.44% | 2.34% | 2.41% | 2.81% | 2.83% | +38 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.06% | -13.58% | -6.74% | -6.00% | -1.59% | +847 bps | |
| Loan Growth (YoY) | -6.78% | -8.88% | -8.25% | -9.46% | -8.64% | -187 bps | |
| Deposit Growth (YoY) | -9.25% | -13.29% | -6.62% | -3.20% | 0.91% | +1,016 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.66% | 0.67% | 0.70% | 5.60% | 3.36% | +270 bps | |
| Allowance / Loans | 2.29% | 2.26% | 2.86% | 2.04% | 2.13% | -16 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 | 4.85% | 5.00% | 4.34% | 3.78% | 3.27% | -158 bps | |
| Equity / Assets | 2.24% | 1.91% | 1.41% | 1.14% | 0.94% | -130 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.36% | 66.67% | 69.37% | 67.18% | 64.60% | -676 bps | |
| Liquid Assets / Assets | 13.62% | 17.79% | 15.07% | 16.03% | 19.11% | +550 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |