Macon, GA · Charter 63171
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Macon, GA · Charter 63171
Q3 2015
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
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 | -1.00% | -2.52% | -2.24% | -2.37% | -2.21% | -5.30% | -3.99% | -4.85% | -248 bps | |
| Return on Equity | -2.13% | -5.66% | -5.06% | -5.33% | -5.06% | -12.70% | -10.02% | -11.58% | -626 bps | |
| Net Interest Margin | 5.23% | 5.56% | 4.85% | 5.04% | 4.89% | 5.16% | 4.70% | 5.32% | +28 bps | |
| Efficiency Ratio | 111.41% | 135.98% | 130.02% | 130.52% | 128.60% | 187.16% | 152.83% | 151.46% | +2,094 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.43% | 1.23% | -4.26% | -4.50% | 1.72% | -0.99% | 3.31% | -3.17% | +132 bps | |
| Loan Growth (YoY) | 9.68% | 14.39% | -6.43% | -6.11% | -13.52% | -18.76% | 4.24% | -4.81% | +130 bps | |
| Share Growth (YoY) | -4.30% | 3.67% | -6.03% | -6.16% | 7.15% | 2.63% | 10.96% | 0.81% | +697 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.57% | 5.97% | 2.44% | 1.86% | 9.67% | 11.37% | 6.27% | 4.31% | +245 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.03% | 5.30% | 4.39% | 4.87% | 4.82% | 5.56% | 2.98% | 3.55% | -132 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 46.83% | 44.55% | 44.24% | 44.50% | 43.63% | 41.76% | 39.80% | 41.86% | -264 bps | |
| Net Worth / Assets | 46.83% | 44.55% | 44.24% | 44.50% | 43.63% | 41.76% | 39.80% | 41.86% | -264 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.34% | 55.83% | 57.01% | 55.22% | 59.20% | 44.19% | 53.57% | 52.14% | -308 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |