Fort Gordon, GA · Charter 68619
Q4 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.32% | -0.27% | -0.13% | -0.04% | -0.18% | 0.08% | 0.02% | 0.01% | +5 bps | |
| Return on Equity | -3.95% | -3.40% | -1.61% | -0.48% | -2.32% | 1.00% | 0.24% | 0.19% | +68 bps | |
| Net Interest Margin | 2.29% | 2.33% | 2.41% | 2.37% | 2.43% | 2.46% | 2.41% | 2.32% | -6 bps | |
| Efficiency Ratio | 97.17% | 95.56% | 91.24% | 88.20% | 89.60% | 88.33% | 87.26% | 88.27% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.95% | 0.58% | -0.18% | 0.55% | 2.47% | 2.34% | 3.47% | 3.02% | +246 bps | |
| Loan Growth (YoY) | 28.07% | 24.42% | 26.24% | 18.72% | 10.79% | -2.87% | -14.69% | -15.78% | -3,450 bps | |
| Share Growth (YoY) | 1.82% | 1.52% | 0.49% | 1.10% | 2.71% | 2.37% | 3.71% | 3.18% | +207 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 0.66% | 0.81% | 0.93% | 0.49% | 1.00% | 1.12% | 1.12% | +20 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 | 0.44% | 0.53% | 0.62% | 0.65% | 0.81% | 0.80% | 0.90% | 0.91% | +27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.03% | 8.00% | 8.07% | 7.82% | 7.88% | 7.98% | 7.86% | 7.60% | -23 bps | |
| Net Worth / Assets | 8.03% | 8.00% | 8.07% | 7.82% | 7.88% | 7.98% | 7.86% | 7.60% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.19% | 47.14% | 52.02% | 48.52% | 46.58% | 44.73% | 42.79% | 39.60% | -891 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |