Easley, SC · Cert 59028
FDIC · 29 branches
Q3 2015
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2015 SOD (annual) · 0.2% share · #38 of 97 inst. · $0.2B of $146.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.85% | -8.18% | -9.42% | 3.95% | -23.01% | -1,916 bps | |
| Return on Equity | -51.88% | -133.35% | -216% | 96.68% | -807% | -75,535 bps | |
| Net Interest Margin | 3.63% | 2.86% | 3.25% | 1.54% | 2.38% | -125 bps | |
| Efficiency Ratio | 152.86% | 550% | 309% | 338% | 1755% | +160,250 bps | |
| Non-Interest Burden | 6.36% | 7.42% | 11.82% | 5.85% | 24.01% | +1,765 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.87% | -10.46% | -13.05% | -23.91% | -43.38% | -3,252 bps | |
| Loan Growth (YoY) | -4.83% | -11.39% | -15.61% | -45.06% | -59.75% | -5,492 bps | |
| Deposit Growth (YoY) | -6.13% | -7.11% | -8.44% | -19.23% | -39.44% | -3,331 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 4.40% | 0.22% | 0.52% | 1.97% | 0.40% | -400 bps | |
| Allowance / Loans | 2.90% | 3.81% | 4.00% | 4.30% | 0.00% | -290 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | 2.66% | 4.54% | 0.08% | n/a | |
| Total Risk-Based Capital | 9.91% | 8.24% | 5.24% | 9.91% | 0.17% | -974 bps | |
| Equity / Assets | 6.94% | 5.28% | 3.39% | 4.89% | 0.09% | -685 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.25% | 63.20% | 66.03% | 50.96% | 46.02% | -2,322 bps | |
| Liquid Assets / Assets | 7.38% | 12.81% | 10.43% | 28.21% | 39.50% | +3,212 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |