Warner Robins, GA · Charter 9331
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Warner Robins, GA · Charter 9331
Q3 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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.92% | 1.86% | 1.92% | 1.96% | 1.86% | 1.92% | 1.88% | 1.83% | -13 bps | |
| Return on Equity | 13.10% | 12.90% | 12.87% | 12.72% | 11.90% | 12.33% | 11.80% | 11.35% | -137 bps | |
| Net Interest Margin | 2.62% | 2.53% | 2.54% | 2.57% | 2.49% | 2.50% | 2.50% | 2.49% | -8 bps | |
| Efficiency Ratio | 49.11% | 48.45% | 47.59% | 47.47% | 48.54% | 47.78% | 48.59% | 49.04% | +157 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.27% | 4.80% | 5.03% | 4.70% | 6.53% | 5.38% | 5.72% | 7.17% | +247 bps | |
| Loan Growth (YoY) | 10.69% | 12.08% | 10.38% | 7.84% | 9.11% | 9.37% | 9.39% | 9.62% | +178 bps | |
| Share Growth (YoY) | 5.07% | 4.91% | 3.76% | 3.20% | 4.59% | 3.35% | 4.37% | 5.47% | +227 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 0.40% | 0.29% | 0.36% | 0.34% | 0.21% | 0.42% | 0.41% | +5 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 | 0.81% | 0.79% | 0.78% | 0.79% | 0.79% | 0.78% | 0.78% | 0.78% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.67% | 14.45% | 14.89% | 15.42% | 15.63% | 15.55% | 15.90% | 16.15% | +73 bps | |
| Net Worth / Assets | 14.67% | 14.45% | 14.89% | 15.42% | 15.63% | 15.55% | 15.90% | 16.15% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.40% | 59.71% | 62.03% | 63.80% | 65.10% | 63.18% | 65.02% | 66.31% | +251 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |