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 (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 | 1.23% | 1.07% | 1.15% | 1.17% | 0.95% | 1.12% | 0.82% | 1.27% | +10 bps | |
| Return on Equity | 12.02% | 10.42% | 11.01% | 10.87% | 8.47% | 10.11% | 7.53% | 11.48% | +61 bps | |
| Net Interest Margin | 3.54% | 3.53% | 3.51% | 3.65% | 3.66% | 3.53% | 3.53% | 3.52% | -13 bps | |
| Efficiency Ratio | 60.54% | 61.73% | 60.77% | 60.18% | 63.05% | 59.87% | 73.17% | 54.88% | -529 bps | |
| Non-Interest Burden | 1.96% | 2.01% | 1.90% | 1.86% | 2.07% | 1.81% | 2.36% | 1.54% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.70% | 3.04% | 4.44% | 1.74% | 1.77% | 5.11% | 5.15% | 6.72% | +498 bps | |
| Loan Growth (YoY) | -0.61% | 1.66% | 4.30% | 6.03% | 5.54% | 11.47% | 8.54% | 10.82% | +479 bps | |
| Deposit Growth (YoY) | 6.94% | 2.99% | 4.19% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.46% | -0.01% | 0.10% | 0.35% | 0.52% | 0.02% | 0.11% | 0.02% | -33 bps | |
| Allowance / Loans | 1.50% | 1.54% | 1.44% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | 11.07% | 10.94% | 11.09% | n/a | |
| Total Risk-Based Capital | 15.13% | 15.50% | 15.46% | 15.16% | 16.12% | 15.24% | 15.09% | 15.41% | +25 bps | |
| Equity / Assets | 10.23% | 10.36% | 10.45% | 11.06% | 11.26% | 11.00% | 10.87% | 11.27% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.18% | 74.93% | 78.62% | 79.20% | 80.75% | 80.03% | 81.55% | 82.45% | +325 bps | |
| Liquid Assets / Assets | 9.07% | 10.15% | 8.71% | 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 | n/a | n/a | n/a |