Atlanta, GA · Cert 58456
FDIC
Q3 2013
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.73% | 0.76% | 0.82% | 0.79% | 0.72% | 2.80% | 2.06% | +125 bps | |
| Return on Equity | 5.81% | 6.49% | 6.80% | 7.32% | 7.02% | 6.16% | 23.97% | 17.43% | +1,011 bps | |
| Net Interest Margin | 3.88% | 3.46% | 3.51% | 3.47% | 3.36% | 3.54% | 3.57% | 3.48% | +1 bps | |
| Efficiency Ratio | 74.03% | 79.14% | 72.08% | 72.17% | 69.50% | 78.22% | 76.03% | 74.91% | +273 bps | |
| Non-Interest Burden | 2.82% | 2.62% | 2.38% | 2.38% | 2.17% | 2.73% | 2.68% | 2.54% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.16% | 5.72% | 6.93% | 12.55% | 9.31% | 0.71% | 8.94% | -3.68% | -1,623 bps | |
| Loan Growth (YoY) | -6.64% | 0.39% | 4.57% | 5.27% | -1.72% | -1.12% | 0.43% | 7.35% | +208 bps | |
| Deposit Growth (YoY) | -7.58% | 3.73% | 6.31% | 13.02% | 8.64% | -1.49% | 7.35% | -5.62% | -1,864 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 | 0.35% | -0.10% | 0.11% | 0.08% | 0.88% | 0.00% | 0.00% | 0.16% | +8 bps | |
| Allowance / Loans | 2.09% | 2.17% | 2.28% | 2.39% | 2.09% | 2.04% | 2.06% | 1.92% | -47 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 | 15.54% | 15.38% | 15.33% | 16.06% | 16.24% | 16.25% | 15.89% | 15.67% | -39 bps | |
| Equity / Assets | 11.36% | 11.06% | 11.28% | 10.89% | 11.33% | 11.96% | 11.71% | 12.37% | +148 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.95% | 82.40% | 83.85% | 75.58% | 75.04% | 82.70% | 78.45% | 85.97% | +1,039 bps | |
| Liquid Assets / Assets | 7.72% | 8.78% | 6.37% | 9.20% | 6.57% | 2.84% | 8.17% | 2.96% | -624 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |