Thomasville, GA · Charter 7735
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 | 0.03% | -0.18% | -0.02% | 0.01% | -1.48% | -0.94% | -0.64% | -14.56% | -1,457 bps | |
| Return on Equity | 0.11% | -0.67% | -0.08% | 0.03% | -5.43% | -3.55% | -2.41% | -96.40% | -9,643 bps | |
| Net Interest Margin | 2.58% | 2.81% | 2.73% | 2.74% | 3.10% | 2.80% | 2.40% | -9.33% | -1,208 bps | |
| Efficiency Ratio | 99.24% | 104.32% | 100.54% | 99.78% | 136.82% | 125.20% | 122.28% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.31% | -0.98% | 1.24% | 1.31% | -2.48% | 2.58% | 0.08% | -5.66% | -698 bps | |
| Loan Growth (YoY) | -17.36% | -14.84% | -15.05% | -15.14% | -22.68% | -28.38% | -26.85% | -21.02% | -589 bps | |
| Share Growth (YoY) | -1.71% | -1.22% | 1.88% | 2.03% | -3.06% | 4.39% | 1.55% | 12.12% | +1,009 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.26% | 1.39% | 2.27% | 1.31% | 1.41% | 1.35% | 5.93% | +366 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 | 2.42% | 2.52% | 2.52% | 2.43% | 1.48% | 1.91% | 1.42% | 2.67% | +24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.90% | 27.54% | 27.11% | 27.99% | 27.22% | 26.48% | 26.63% | 15.11% | -1,288 bps | |
| Net Worth / Assets | 26.90% | 27.54% | 27.11% | 27.99% | 27.22% | 26.48% | 26.63% | 15.11% | -1,288 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.38% | 25.75% | 23.59% | 23.44% | 20.24% | 17.67% | 16.99% | 16.51% | -693 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |