Augusta, GA · Charter 7922
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 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.
Augusta, GA · Charter 7922
Q3 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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.13% | -0.70% | -0.83% | -0.75% | -0.57% | -0.52% | -0.51% | -0.25% | +50 bps | |
| Return on Equity | -1.26% | -6.94% | -8.08% | -7.22% | -5.43% | -5.32% | -5.06% | -2.41% | +481 bps | |
| Net Interest Margin | 3.47% | 3.22% | 3.36% | 3.44% | 3.47% | 3.11% | 3.26% | 3.35% | -9 bps | |
| Efficiency Ratio | 103.50% | 115.18% | 117.33% | 114.92% | 111.14% | 109.30% | 109.97% | 104.33% | -1,060 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.69% | -8.36% | -12.08% | -9.18% | -7.62% | -2.17% | -0.85% | -0.97% | +820 bps | |
| Loan Growth (YoY) | -2.71% | -1.78% | 0.56% | -2.85% | -6.50% | -10.87% | -12.44% | -13.49% | -1,064 bps | |
| Share Growth (YoY) | -15.62% | -9.32% | -13.30% | -10.70% | -1.44% | -1.60% | -0.47% | -1.04% | +966 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.13% | 1.24% | 1.71% | 0.43% | 0.26% | 0.53% | 3.56% | 2.44% | +201 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 | 1.76% | 1.75% | 1.75% | 1.34% | 1.36% | 1.57% | 1.64% | 1.79% | +45 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.13% | 10.11% | 10.32% | 10.33% | 10.41% | 9.84% | 10.02% | 10.24% | -9 bps | |
| Net Worth / Assets | 10.13% | 10.11% | 10.32% | 10.33% | 10.41% | 9.84% | 10.02% | 10.24% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.88% | 56.05% | 59.11% | 59.13% | 56.81% | 50.77% | 52.00% | 51.69% | -744 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |