Atlanta, GA · Cert 59078
FDIC
Q3 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|
| Earnings | ||||||
| Return on Assets | 18.36% | 1.74% | 6.68% | 5.13% | n/a | |
| Return on Equity | n/a | 2.05% | 10.67% | 7.73% | n/a | |
| Net Interest Margin | 0.00% | 0.05% | 0.79% | 0.12% | n/a | |
| Efficiency Ratio | n/a | 93.70% | 94.01% | 95.87% | n/a | |
| Non-Interest Burden | n/a | -1.89% | -9.76% | -7.59% | 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 |