Columbus, GA · Cert 58299
FDIC · 1 branch
Q3 2015
Market Position · Columbus, GA-AL · 2015 SOD (annual) · 1.6% share · #7 of 18 inst. · $0.1B of $6.4B
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 0.97% | 1.02% | 0.97% | 0.93% | -1 bps | |
| Return on Equity | 8.24% | 8.42% | 8.18% | 7.88% | 7.58% | -66 bps | |
| Net Interest Margin | 3.84% | 3.86% | 3.98% | 3.89% | 3.74% | -9 bps | |
| Efficiency Ratio | 64.05% | 62.81% | 62.48% | 63.99% | 65.33% | +129 bps | |
| Non-Interest Burden | 2.37% | 2.34% | 2.39% | 2.40% | 2.36% | -2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.43% | -1.83% | 0.04% | 5.46% | 7.01% | +157 bps | |
| Loan Growth (YoY) | 9.99% | 9.08% | 12.36% | 11.18% | 10.73% | +74 bps | |
| Deposit Growth (YoY) | 6.27% | -3.97% | -6.10% | 0.35% | 1.00% | -527 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.00% | -0.02% | 0.05% | +2 bps | |
| Allowance / Loans | 2.09% | 2.12% | 2.03% | 2.00% | 1.94% | -14 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 | 12.61% | 12.38% | 12.18% | n/a | |
| Total Risk-Based Capital | 16.34% | 17.22% | 16.46% | 16.27% | 15.64% | -70 bps | |
| Equity / Assets | 11.62% | 12.31% | 12.50% | 12.17% | 11.94% | +32 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.43% | 94.78% | 103.74% | 101.99% | 99.15% | +872 bps | |
| Liquid Assets / Assets | 2.43% | 1.46% | 0.62% | 0.60% | 0.39% | -205 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |