Atlanta, GA · Cert 59078
FDIC
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 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.
Atlanta, GA · Cert 59078
FDIC
Q3 2014
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|
| Earnings | ||||||
| Return on Assets | 18.36% | 1.74% | 2.32% | 2.55% | n/a | |
| Return on Equity | n/a | 2.05% | 2.81% | 3.14% | n/a | |
| Net Interest Margin | 0.00% | 0.05% | 0.54% | 0.41% | n/a | |
| Efficiency Ratio | n/a | 93.70% | 93.86% | 94.55% | n/a | |
| Non-Interest Burden | n/a | -1.89% | -10.14% | -9.43% | n/a | |
| Growth | ||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 224% | 193.33% | 214% | 183.07% | n/a | |
| Equity / Assets | 88.63% | 60.46% | 64.91% | 67.82% | n/a | |
| Liquidity & Funding | ||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 13.40% | 0.00% | n/a | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a |