bank holding company · RSSD 4228875 · GA
How big is CERTUSHOLDINGS, INC.?
CERTUSHOLDINGS, INC. (GA, RSSD 4228875) reported consolidated total assets of $878.1M, deposits of $844.0M and a Tier 1 risk-based capital ratio of 0.13% in its FR Y-9C for 2015Q3. That ranks 618 of 660 bank holding companies by assets, 30 of 72 among bank holding companies under $1b in assets, 16 of 17 bank holding companies in georgia.
What stands out
CERTUSHOLDINGS, INC. (GA, RSSD 4228875) reported consolidated total assets of $878.1M, deposits of $844.0M and a Tier 1 risk-based capital ratio of 0.13% in its FR Y-9C for 2015Q3. That ranks 618 of 660 bank holding companies by assets, 30 of 72 among bank holding companies under $1b in assets, 16 of 17 bank holding companies in georgia. Against its size class: tier 1 risk-based capital ratio 0.13%, below the peer median of 14.08%; tier 1 leverage ratio 0.06%, below the peer median of 10.05%; return on assets -12.21%, below the peer median of 0.88%. At 0.13% its Tier 1 risk-based ratio is below the 6% minimum of the Federal Reserve's capital rule in force since 2015; its leverage ratio of 0.06% is below the 4% minimum. Buffers, stress tests and the small-holding-company exemption are not applied here. The last report on record is for 2015Q3; the holding company may have merged, deregistered or fallen below the filing threshold after that.
Key figures, 2015Q3
As filed on the FR Y-9C; ratios marked computed are FACTANKER's. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2015Q3 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $878.1M | $852.2M | $1.8B | $2.0B | record → |
| Total deposits | $844.0M | $679.3M | $1.5B | $1.6B | record → |
| Loans and leases | $388.4M | $518.7M | $1.1B | $1.4B | record → |
| Net income (year to date) | $-80.4M | $5.1M | $13.6M | $14.0M | record → |
| Total equity capital | $634.0k | $80.4M | $222.8M | $218.7M | record → |
| Equity to assets | 0.07% | 9.73% | 10.71% | 10.50% | computed |
| Tier 1 risk-based capital ratio | 0.13% | 14.08% | 12.10% | 12.95% | record → |
| Total risk-based capital ratio | 0.13% | 15.37% | 15.45% | 14.27% | record → |
| Tier 1 leverage ratio | 0.06% | 10.05% | 10.23% | 9.88% | record → |
| Return on assets | -12.21% | 0.88% | 0.71% | 0.89% | computed |
Quarter by quarter
18 reports on record, 2011Q2–2015Q3; the 18 most recent shown.
| Quarter | Total assets | Deposits | Loans | Net income YTD | Equity | Tier 1 ratio | Rank |
|---|---|---|---|---|---|---|---|
| 2015Q3 | $878.1M | $844.0M | $388.4M | $-80.4M | $634.0k | 0.13% | 618 |
| 2015Q2 | $1.2B | $1.1B | $555.6M | $-21.0M | $57.9M | 8.61% | 511 |
| 2015Q1 | $1.4B | $1.3B | $845.3M | $-33.6M | $46.1M | 3.94% | 441 |
| 2014Q4 | $1.5B | $1.4B | $862.8M | $-68.6M | $78.2M | 6.95% | 407 |
| 2014Q3 | $1.5B | $1.4B | $965.0M | $-39.0M | $106.1M | 8.52% | 385 |
| 2014Q2 | $1.6B | $1.3B | $1.0B | $-24.1M | $121.5M | 9.33% | 382 |
| 2014Q1 | $1.6B | $1.4B | $1.0B | $-9.1M | $134.1M | 10.51% | 382 |
| 2013Q4 | $1.7B | $1.5B | $973.7M | $-78.2M | $140.4M | 11.34% | 365 |
| 2013Q3 | $1.7B | $1.5B | $1.0B | $-26.9M | $196.8M | 16.25% | 344 |
| 2013Q2 | $1.8B | $1.5B | $1.0B | $-15.8M | $209.2M | 18.50% | 335 |
| 2013Q1 | $1.8B | $1.5B | $920.3M | $-8.8M | $227.4M | 21.39% | 344 |
| 2012Q4 | $1.8B | $1.5B | $801.4M | $-20.3M | $236.1M | 27.79% | 336 |
| 2012Q3 | $1.7B | $1.4B | $698.3M | $-17.4M | $238.5M | 32.27% | 343 |
| 2012Q2 | $1.8B | $1.5B | $704.3M | $-10.6M | $246.3M | 37.10% | 333 |
| 2012Q1 | $1.8B | $1.5B | $719.6M | $-4.4M | $251.8M | 40.68% | 329 |
| 2011Q4 | $1.8B | $1.5B | $746.0M | $60.5M | $257.2M | 43.53% | 276 |
| 2011Q3 | $1.8B | $1.5B | $787.8M | $63.8M | $259.8M | 43.66% | 268 |
| 2011Q2 | $1.8B | $1.5B | $833.3M | $61.5M | $256.5M | 37.78% | 267 |
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