Cumming, GA · Cert 58624
FDIC · 2 branches
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 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.
Cumming, GA · Cert 58624
FDIC · 2 branches
Q1 2015
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2014 SOD (annual) · 0.1% share · #59 of 100 inst. · $0.1B of $132.6B
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.77% | 0.79% | 0.60% | 0.64% | 0.67% | 0.71% | -0.24% | -84 bps | |
| Return on Equity | 4.84% | 5.77% | 5.87% | 4.45% | 4.82% | 5.12% | 5.39% | -1.85% | -631 bps | |
| Net Interest Margin | 3.19% | 3.10% | 3.19% | 3.07% | 2.98% | 3.02% | 3.06% | 2.84% | -23 bps | |
| Efficiency Ratio | 68.11% | 68.45% | 68.47% | 68.50% | 66.25% | 65.93% | 64.93% | 104.68% | +3,618 bps | |
| Non-Interest Burden | 2.14% | 2.09% | 2.15% | 2.07% | 1.94% | 1.95% | 1.95% | 2.98% | +91 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.13% | 3.29% | -7.30% | 8.52% | 15.81% | 10.83% | 13.65% | 9.65% | +114 bps | |
| Loan Growth (YoY) | 14.67% | 17.15% | 19.43% | 18.12% | 20.41% | 15.68% | 8.44% | 5.66% | -1,246 bps | |
| Deposit Growth (YoY) | 3.35% | 2.32% | -11.52% | 7.53% | 16.55% | 12.76% | 18.89% | 13.60% | +607 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 | 0.24% | 0.15% | 0.16% | 0.00% | 0.00% | -0.06% | -0.05% | 0.00% | 0 bps | |
| Allowance / Loans | 1.82% | 1.73% | 1.61% | 1.62% | 1.51% | 1.54% | 1.58% | 1.62% | 0 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 | 12.93% | n/a | n/a |
| Total Risk-Based Capital | 21.74% | 21.27% | 20.28% | 20.46% | 19.67% | 19.99% | 20.56% | 20.35% | -11 bps | |
| Equity / Assets | 13.75% | 13.68% | 13.94% | 13.13% | 12.66% | 13.09% | 13.05% | 12.53% | -60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.19% | 83.13% | 87.90% | 81.33% | 83.88% | 85.28% | 80.18% | 75.64% | -568 bps | |
| Liquid Assets / Assets | 19.33% | 18.37% | 15.24% | 21.00% | 19.13% | 16.78% | 21.46% | 26.72% | +572 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |