Chattahoochee, FL · Charter 67443
Q4 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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.86% | 0.64% | 0.62% | 0.40% | 0.29% | 0.46% | 0.45% | -18 bps | |
| Return on Equity | 8.14% | 9.48% | 6.96% | 6.65% | 4.36% | 3.13% | 4.81% | 4.68% | -197 bps | |
| Net Interest Margin | 2.85% | 2.90% | 2.98% | 2.98% | 2.83% | 2.85% | 2.88% | 2.88% | -10 bps | |
| Efficiency Ratio | 84.27% | 85.22% | 83.48% | 83.30% | 85.05% | 86.02% | 82.45% | 83.03% | -27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.81% | 2.02% | -2.30% | 0.02% | 0.02% | 1.05% | 2.68% | 2.80% | +278 bps | |
| Loan Growth (YoY) | 0.09% | 1.87% | 1.85% | -1.96% | -0.78% | -2.27% | -0.86% | -0.21% | +175 bps | |
| Share Growth (YoY) | 4.75% | 1.75% | -2.73% | -0.37% | -0.88% | 0.89% | 2.09% | 2.06% | +243 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 0.88% | 0.87% | 0.92% | 0.59% | 0.48% | 0.92% | 0.94% | +3 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 | 1.31% | 1.05% | 1.20% | 1.20% | 1.20% | 1.24% | 1.22% | 1.24% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.71% | 9.02% | 9.24% | 9.36% | 9.24% | 9.25% | 9.48% | 9.55% | +19 bps | |
| Net Worth / Assets | 8.71% | 9.02% | 9.24% | 9.36% | 9.24% | 9.25% | 9.48% | 9.55% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.55% | 61.28% | 62.11% | 61.14% | 59.61% | 59.36% | 60.32% | 59.78% | -136 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |