Perry, GA · Cert 8480
FDIC · 2 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 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.
Perry, GA · Cert 8480
FDIC · 2 branches
Q4 2014
Market Position · Warner Robins, GA · 2014 SOD (annual) · 6.5% share · #7 of 13 inst. · $0.1B of $1.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 1.16% | 1.09% | 1.02% | -0.21% | -0.23% | -0.35% | -0.13% | -116 bps | |
| Return on Equity | 15.03% | 16.32% | 15.43% | 14.46% | -2.93% | -3.30% | -5.06% | -1.94% | -1,640 bps | |
| Net Interest Margin | 3.68% | 3.77% | 3.88% | 3.89% | 3.93% | 3.68% | 3.78% | 3.78% | -12 bps | |
| Efficiency Ratio | 77.38% | 76.64% | 76.82% | 76.15% | 92.45% | 87.68% | 86.26% | 86.55% | +1,040 bps | |
| Non-Interest Burden | 2.59% | 2.54% | 2.68% | 2.68% | 3.60% | 3.14% | 3.15% | 3.17% | +48 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.46% | -4.76% | -2.22% | 1.78% | -0.73% | 10.95% | 6.47% | 6.55% | +478 bps | |
| Loan Growth (YoY) | -9.03% | -4.25% | 2.66% | 2.85% | 8.81% | 19.54% | 10.60% | 9.00% | +615 bps | |
| Deposit Growth (YoY) | -0.73% | -0.20% | -2.48% | 4.49% | 1.70% | 1.68% | -0.08% | -2.67% | -717 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.40% | 0.37% | 0.40% | 0.76% | 1.57% | 1.33% | 1.60% | 1.23% | +47 bps | |
| Allowance / Loans | 2.12% | 2.09% | 1.89% | 1.60% | 1.33% | 1.24% | 1.19% | 1.22% | -38 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.12% | 11.37% | 11.26% | 11.52% | 11.18% | 10.32% | 10.25% | 10.60% | -92 bps | |
| Equity / Assets | 7.02% | 7.15% | 7.02% | 7.07% | 7.04% | 6.70% | 6.60% | 6.85% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.49% | 78.38% | 82.11% | 80.34% | 81.83% | 92.16% | 90.89% | 89.98% | +963 bps | |
| Liquid Assets / Assets | 9.66% | 3.18% | 2.81% | 4.42% | 3.58% | 3.21% | 3.31% | 4.76% | +34 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |