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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.02% | -0.21% | -0.23% | -0.35% | -0.13% | -116 bps | |
| Return on Equity | 14.46% | -2.93% | -3.30% | -5.06% | -1.94% | -1,640 bps | |
| Net Interest Margin | 3.89% | 3.93% | 3.68% | 3.78% | 3.78% | -12 bps | |
| Efficiency Ratio | 76.15% | 92.45% | 87.68% | 86.26% | 86.55% | +1,040 bps | |
| Non-Interest Burden | 2.68% | 3.60% | 3.14% | 3.15% | 3.17% | +48 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.78% | -0.73% | 10.95% | 6.47% | 6.55% | +478 bps | |
| Loan Growth (YoY) | 2.85% | 8.81% | 19.54% | 10.60% | 9.00% | +615 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.76% | 1.57% | 1.33% | 1.60% | 1.23% | +47 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.52% | 11.18% | 10.32% | 10.25% | 10.60% | -92 bps | |
| Equity / Assets | 7.07% | 7.04% | 6.70% | 6.60% | 6.85% | -21 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.34% | 81.83% | 92.16% | 90.89% | 89.98% | +963 bps | |
| Liquid Assets / Assets | 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 |