Auburn, AL · Cert 58382
FDIC · 3 branches
Q3 2015
Market Position · Auburn-Opelika, AL · 2015 SOD (annual) · 5.7% share · #8 of 17 inst. · $0.1B of $2.3B
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 | 1.13% | 1.09% | 1.12% | 0.98% | 1.08% | -6 bps | |
| Return on Equity | 10.76% | 10.18% | 10.11% | 8.83% | 9.71% | -105 bps | |
| Net Interest Margin | 3.54% | 3.58% | 3.53% | 3.48% | 3.46% | -8 bps | |
| Efficiency Ratio | 60.86% | 61.41% | 59.87% | 66.70% | 62.66% | +181 bps | |
| Non-Interest Burden | 1.91% | 1.96% | 1.81% | 2.05% | 1.86% | -5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.74% | 1.77% | 5.11% | 5.15% | 6.72% | +498 bps | |
| Loan Growth (YoY) | 6.03% | 5.54% | 11.47% | 8.54% | 10.82% | +479 bps | |
| Deposit Growth (YoY) | 0.87% | 0.88% | 4.37% | 4.63% | 6.45% | +558 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.24% | 0.02% | 0.06% | 0.05% | -10 bps | |
| Allowance / Loans | 1.42% | 1.43% | 1.42% | 1.36% | 1.40% | -2 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 | 11.07% | 10.94% | 11.09% | n/a | |
| Total Risk-Based Capital | 15.16% | 16.12% | 15.24% | 15.09% | 15.41% | +25 bps | |
| Equity / Assets | 11.06% | 11.26% | 11.00% | 10.87% | 11.27% | +21 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.20% | 80.75% | 80.03% | 81.55% | 82.45% | +325 bps | |
| Liquid Assets / Assets | 7.72% | 6.43% | 8.75% | 8.79% | 7.59% | -13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |