Nashville, GA · Charter 67379
Q4 2014
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.36% | 0.07% | 0.18% | 0.08% | -0.19% | 0.09% | -0.03% | -1.28% | -135 bps | |
| Return on Equity | -3.12% | 0.59% | 1.44% | 0.60% | -1.51% | 0.74% | -0.27% | -10.33% | -1,093 bps | |
| Net Interest Margin | 2.72% | 2.89% | 2.91% | 3.01% | 3.00% | 2.94% | 2.90% | 3.12% | +11 bps | |
| Efficiency Ratio | 107.67% | 98.56% | 96.29% | 98.14% | 103.32% | 97.66% | 98.70% | 127.53% | +2,939 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.03% | 0.08% | -2.28% | -2.87% | -7.52% | -4.26% | -2.95% | -6.74% | -387 bps | |
| Loan Growth (YoY) | -3.67% | 3.44% | 8.42% | 9.60% | 8.66% | -0.09% | -0.47% | -1.45% | -1,104 bps | |
| Share Growth (YoY) | 3.60% | 0.06% | -2.77% | -4.22% | -8.62% | -4.91% | -3.28% | -6.63% | -241 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.34% | 0.75% | 0.51% | 0.59% | 0.69% | 0.65% | 0.27% | 0.62% | +2 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 | 1.88% | 1.01% | 0.84% | 0.91% | 0.89% | 0.81% | 0.66% | 0.79% | -12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.65% | 12.17% | 12.38% | 12.74% | 12.72% | 12.80% | 12.67% | 12.38% | -36 bps | |
| Net Worth / Assets | 11.65% | 12.17% | 12.38% | 12.74% | 12.72% | 12.80% | 12.67% | 12.38% | -36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.61% | 55.96% | 58.15% | 60.58% | 58.99% | 58.79% | 59.84% | 63.94% | +336 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |