Centre, AL · Cert 58842
FDIC · 3 branches
Q2 2014
Market Position · Gadsden, AL · 2014 SOD (annual) · 1.6% share · #11 of 12 inst. · $0.0B of $1.1B
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 0.93% | 0.64% | 0.89% | 0.87% | 0.53% | 0.61% | 0.88% | -1 bps | |
| Return on Equity | 7.68% | 7.86% | 5.44% | 7.70% | 7.58% | 4.64% | 5.64% | 8.17% | +47 bps | |
| Net Interest Margin | 4.16% | 3.95% | 3.58% | 3.54% | 3.54% | 3.60% | 3.54% | 3.55% | +1 bps | |
| Efficiency Ratio | 75.61% | 75.50% | 84.80% | 80.36% | 79.58% | 80.24% | 81.60% | 79.01% | -135 bps | |
| Non-Interest Burden | 2.92% | 2.76% | 2.92% | 2.67% | 2.63% | 2.71% | 2.74% | 2.61% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.39% | 9.50% | 6.08% | 9.07% | 6.34% | 0.86% | 9.96% | 13.21% | +415 bps | |
| Loan Growth (YoY) | 1.69% | 3.52% | -1.53% | -2.36% | 1.43% | -2.46% | -0.06% | 5.46% | +782 bps | |
| Deposit Growth (YoY) | 1.58% | 5.27% | 6.12% | 10.21% | 7.17% | 5.52% | 11.36% | 13.97% | +376 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 | 0.14% | 0.18% | 0.02% | 0.01% | 0.01% | 0.63% | 0.01% | -0.14% | -15 bps | |
| Allowance / Loans | 1.36% | 1.29% | 1.38% | 1.34% | 1.38% | 1.25% | 1.34% | 1.31% | -3 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 | 16.45% | 16.33% | 16.94% | 16.36% | 16.58% | 16.33% | 16.62% | 16.03% | -33 bps | |
| Equity / Assets | 12.09% | 11.52% | 11.87% | 11.25% | 11.48% | 11.13% | 10.68% | 10.60% | -65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.46% | 82.41% | 77.99% | 77.29% | 78.99% | 76.18% | 69.99% | 71.52% | -577 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.03% | 0.03% | 0.03% | 0.03% | 0.06% | 0.07% | +4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |