Douglasville, GA · Cert 58653
FDIC · 3 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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.
Douglasville, GA · Cert 58653
FDIC · 3 branches
Q4 2014
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2014 SOD (annual) · 0.1% share · #46 of 100 inst. · $0.2B 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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.71% | 0.64% | 0.63% | 0.58% | 0.60% | 0.67% | 0.70% | +7 bps | |
| Return on Equity | 4.91% | 5.11% | 4.71% | 4.76% | 4.73% | 4.92% | 5.64% | 5.88% | +112 bps | |
| Net Interest Margin | 4.46% | 4.17% | 4.02% | 3.93% | 3.88% | 3.77% | 3.62% | 3.57% | -36 bps | |
| Efficiency Ratio | 73.48% | 72.90% | 72.79% | 76.48% | 76.68% | 75.96% | 74.70% | 74.89% | -159 bps | |
| Non-Interest Burden | 3.21% | 2.99% | 2.88% | 2.97% | 2.94% | 2.82% | 2.64% | 2.62% | -34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.06% | 19.72% | 15.35% | 21.38% | 21.60% | 12.63% | 22.43% | 7.05% | -1,432 bps | |
| Loan Growth (YoY) | 15.66% | 10.44% | 22.27% | 14.19% | 9.59% | 9.68% | 3.12% | 10.51% | -367 bps | |
| Deposit Growth (YoY) | 0.23% | 20.74% | 14.13% | 21.62% | 23.67% | 14.60% | 27.88% | 8.84% | -1,279 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 | 0.00% | 0.41% | 0.25% | 0.18% | 0.00% | 0.00% | -0.06% | -0.04% | -22 bps | |
| Allowance / Loans | 1.43% | 1.28% | 1.31% | 1.15% | 1.15% | 1.19% | 1.21% | 1.05% | -10 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 | 17.27% | 16.78% | 15.99% | 16.62% | 16.60% | 15.41% | 15.58% | 15.93% | -69 bps | |
| Equity / Assets | 14.51% | 12.63% | 13.10% | 12.28% | 12.43% | 11.66% | 11.24% | 12.25% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.33% | 77.96% | 89.04% | 83.27% | 81.82% | 74.61% | 71.80% | 84.55% | +128 bps | |
| Liquid Assets / Assets | 3.57% | 14.23% | 3.59% | 9.44% | 6.52% | 11.76% | 14.68% | 2.91% | -653 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |