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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.52% | 0.96% | 0.99% | 0.87% | 1.07% | 1.02% | 0.93% | 0.84% | -2 bps | |
| Return on Equity | 14.02% | 8.72% | 8.59% | 7.43% | 8.95% | 8.18% | 7.56% | 7.01% | -41 bps | |
| Net Interest Margin | 3.85% | 3.87% | 3.90% | 3.82% | 3.87% | 3.98% | 3.95% | 3.71% | -11 bps | |
| Efficiency Ratio | 63.02% | 63.82% | 62.57% | 65.82% | 59.11% | 62.48% | 65.46% | 68.03% | +221 bps | |
| Non-Interest Burden | 2.39% | 2.36% | 2.35% | 2.46% | 2.18% | 2.39% | 2.50% | 2.43% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.96% | -4.28% | 5.71% | 5.43% | -1.83% | 0.04% | 5.46% | 7.01% | +157 bps | |
| Loan Growth (YoY) | 9.50% | 9.64% | 11.67% | 9.99% | 9.08% | 12.36% | 11.18% | 10.73% | +74 bps | |
| Deposit Growth (YoY) | 2.00% | -9.46% | 4.96% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.03% | 0.05% | -0.07% | 0.00% | -0.03% | 0.18% | +13 bps | |
| Allowance / Loans | 2.19% | 2.18% | 2.11% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | 12.61% | 12.38% | 12.18% | n/a | |
| Total Risk-Based Capital | 16.69% | 16.66% | 16.63% | 16.34% | 17.22% | 16.46% | 16.27% | 15.64% | -70 bps | |
| Equity / Assets | 10.79% | 11.23% | 11.77% | 11.62% | 12.31% | 12.50% | 12.17% | 11.94% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.45% | 86.69% | 92.06% | 90.43% | 94.78% | 103.74% | 101.99% | 99.15% | +872 bps | |
| Liquid Assets / Assets | 1.43% | 2.26% | 2.50% | 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 | n/a | n/a | n/a |