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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.29% | -2.37% | -0.83% | 0.31% | 0.25% | -0.33% | -1.84% | -1.66% | -197 bps | |
| Return on Equity | -61.65% | -68.24% | -34.91% | 13.42% | 11.30% | -16.17% | -143.84% | -142.78% | -15,620 bps | |
| Net Interest Margin | 2.16% | 2.24% | 2.28% | 2.42% | 2.41% | 2.40% | 2.28% | 2.26% | -16 bps | |
| Efficiency Ratio | 300% | 230% | 132.46% | 101.11% | 96.97% | 100.47% | 131.11% | 132.02% | +3,091 bps | |
| Non-Interest Burden | 3.64% | 3.51% | 2.77% | 2.44% | 2.34% | 2.41% | 2.81% | 2.83% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.34% | -7.32% | -10.03% | -10.06% | -13.58% | -6.74% | -6.00% | -1.59% | +847 bps | |
| Loan Growth (YoY) | -12.68% | -10.26% | -9.32% | -6.78% | -8.88% | -8.25% | -9.46% | -8.64% | -187 bps | |
| Deposit Growth (YoY) | 2.25% | -5.73% | -11.01% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 3.30% | 3.52% | 0.51% | 0.66% | 0.67% | 0.70% | 5.60% | 3.36% | +270 bps | |
| Allowance / Loans | 2.87% | 2.79% | 2.83% | 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 | 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 | 5.37% | 4.54% | 4.33% | 4.85% | 5.00% | 4.34% | 3.78% | 3.27% | -158 bps | |
| Equity / Assets | 2.77% | 2.45% | 2.28% | 2.24% | 1.91% | 1.41% | 1.14% | 0.94% | -130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.44% | 70.60% | 71.82% | 71.36% | 66.67% | 69.37% | 67.18% | 64.60% | -676 bps | |
| Liquid Assets / Assets | 22.91% | 13.22% | 14.37% | 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 | n/a | n/a | n/a |