Rome, GA · Charter 67539
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 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.
Rome, GA · Charter 67539
Q1 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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.89% | 0.08% | 0.90% | 1.00% | -0.54% | -5.90% | 1.30% | +40 bps | |
| Return on Equity | 7.05% | 10.03% | 0.90% | 10.56% | 11.03% | -6.52% | -167.71% | 30.40% | +1,984 bps | |
| Net Interest Margin | 2.93% | 3.15% | 3.24% | 3.06% | 3.12% | 3.23% | 3.61% | 3.90% | +83 bps | |
| Efficiency Ratio | 69.19% | 58.37% | 59.68% | 66.25% | 65.92% | 62.59% | 56.35% | 63.85% | -240 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.87% | -1.40% | -4.37% | -4.93% | -4.86% | -4.66% | -13.55% | -24.47% | -1,954 bps | |
| Loan Growth (YoY) | -9.74% | -5.06% | -2.84% | -4.01% | 0.30% | -7.58% | -21.25% | -19.59% | -1,558 bps | |
| Share Growth (YoY) | 5.65% | -1.54% | -4.11% | -4.84% | -5.56% | -4.03% | -8.96% | -20.95% | -1,612 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.77% | 8.74% | 3.51% | 4.09% | 3.69% | 2.97% | 3.97% | +46 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 | 2.11% | 2.36% | 1.96% | 2.29% | 2.06% | 3.97% | 2.55% | 5.04% | +275 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.33% | 8.85% | 8.46% | 8.51% | 9.02% | 8.29% | 3.52% | 4.27% | -424 bps | |
| Net Worth / Assets | 8.33% | 8.85% | 8.46% | 8.51% | 9.02% | 8.29% | 3.52% | 4.27% | -424 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.02% | 59.65% | 59.61% | 55.74% | 59.49% | 57.45% | 51.56% | 56.70% | +96 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |