Atlanta, GA · Cert 58492
FDIC · 1 branch
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Atlanta, GA · Cert 58492
FDIC · 1 branch
Q3 2015
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2015 SOD (annual) · 0.8% share · #17 of 97 inst. · $1.1B of $146.1B
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.73% | 0.59% | 0.61% | 0.61% | 0.59% | 0.73% | 0.71% | +10 bps | |
| Return on Equity | 4.16% | 6.65% | 5.37% | 5.59% | 5.65% | 5.69% | 6.97% | 6.70% | +111 bps | |
| Net Interest Margin | 2.59% | 2.57% | 2.52% | 2.55% | 2.52% | 2.68% | 2.70% | 2.77% | +22 bps | |
| Efficiency Ratio | 75.77% | 71.51% | 71.32% | 68.68% | 68.82% | 66.15% | 63.39% | 64.78% | -391 bps | |
| Non-Interest Burden | 1.88% | 1.71% | 1.67% | 1.63% | 1.61% | 1.66% | 1.49% | 1.60% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.32% | 0.40% | 10.18% | 15.84% | 6.96% | 22.97% | 13.81% | 6.40% | -944 bps | |
| Loan Growth (YoY) | 0.77% | 4.49% | 14.83% | 26.32% | 27.26% | 31.80% | 13.36% | 3.51% | -2,280 bps | |
| Deposit Growth (YoY) | 5.37% | -6.26% | 5.99% | 13.61% | 2.26% | 25.71% | 10.99% | 13.31% | -31 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 | 0.02% | -0.01% | 0.00% | 0.00% | -0.01% | -0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.32% | 1.23% | 1.14% | 1.12% | 1.10% | 1.09% | 1.13% | 1.13% | +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 | 10.45% | 10.43% | 10.82% | n/a | |
| Total Risk-Based Capital | 13.53% | 13.22% | 12.14% | 11.84% | 11.65% | 10.85% | 11.32% | 11.63% | -21 bps | |
| Equity / Assets | 10.43% | 11.68% | 11.07% | 10.42% | 10.51% | 10.33% | 10.55% | 10.73% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.36% | 89.98% | 93.81% | 97.09% | 93.79% | 94.34% | 95.81% | 88.70% | -839 bps | |
| Liquid Assets / Assets | 13.47% | 4.04% | 0.95% | 3.35% | 0.92% | 2.07% | 3.89% | 6.51% | +316 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |