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 (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 | -4.31% | -2.24% | -3.01% | -3.28% | -4.48% | -9.42% | -3.12% | -8.72% | -544 bps | |
| Return on Equity | -37.56% | -26.06% | -36.04% | -40.95% | -59.68% | -216% | -68.87% | -234% | -19,267 bps | |
| Net Interest Margin | 3.74% | 4.00% | 4.10% | 3.90% | 3.72% | 3.25% | 2.56% | 2.87% | -102 bps | |
| Efficiency Ratio | 176.68% | 132.89% | 147.51% | 149.11% | 172.38% | 309% | 317% | 526% | +37,720 bps | |
| Non-Interest Burden | 7.62% | 6.16% | 7.05% | 6.73% | 7.05% | 11.82% | 9.46% | 15.70% | +897 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.11% | -10.98% | -13.25% | -10.87% | -10.46% | -13.05% | -23.91% | -43.38% | -3,252 bps | |
| Loan Growth (YoY) | 21.50% | 8.84% | 0.52% | -4.83% | -11.39% | -15.61% | -45.06% | -59.75% | -5,492 bps | |
| Deposit Growth (YoY) | -3.80% | -5.71% | -12.11% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.52% | 0.57% | 0.36% | 1.71% | 1.49% | 0.52% | 1.38% | 1.45% | -26 bps | |
| Allowance / Loans | 3.37% | 3.25% | 3.27% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | 2.66% | 4.54% | 0.08% | n/a | |
| Total Risk-Based Capital | 12.73% | 11.90% | 10.72% | 9.91% | 8.24% | 5.24% | 9.91% | 0.17% | -974 bps | |
| Equity / Assets | 8.57% | 8.63% | 7.88% | 6.94% | 5.28% | 3.39% | 4.89% | 0.09% | -685 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.25% | 71.63% | 74.92% | 69.25% | 63.20% | 66.03% | 50.96% | 46.02% | -2,322 bps | |
| Liquid Assets / Assets | 6.41% | 5.45% | 5.19% | 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 | n/a | n/a | n/a |