Beaufort, SC · Charter 11805
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Beaufort, SC · Charter 11805
Q3 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.19% | -4.48% | -1.45% | -3.16% | -3.34% | -2.16% | -2.95% | -150 bps | |
| Return on Equity | 2.29% | 1.96% | -55.58% | -17.79% | -44.79% | -52.10% | -36.38% | -57.19% | -3,940 bps | |
| Net Interest Margin | 3.98% | 3.96% | 3.31% | 3.15% | 3.47% | 3.64% | 3.84% | 4.37% | +122 bps | |
| Efficiency Ratio | 82.89% | 82.34% | 84.52% | 74.63% | 76.33% | 84.61% | 84.03% | 85.23% | +1,060 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.91% | -3.08% | -0.14% | 5.56% | 3.95% | 0.98% | -6.92% | -20.95% | -2,651 bps | |
| Loan Growth (YoY) | -3.57% | -4.48% | -5.48% | -3.49% | -8.01% | -9.27% | -11.90% | -17.54% | -1,405 bps | |
| Share Growth (YoY) | -1.90% | -3.11% | 0.74% | 6.88% | 6.39% | 4.21% | -5.15% | -18.68% | -2,555 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.07% | 6.17% | 5.42% | 5.21% | 2.81% | 6.78% | 5.61% | 8.01% | +280 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 | 1.48% | 1.62% | 2.14% | 2.13% | 3.38% | 4.21% | 4.96% | 5.10% | +297 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.77% | 9.85% | 8.06% | 8.14% | 7.05% | 6.42% | 5.94% | 5.16% | -298 bps | |
| Net Worth / Assets | 9.77% | 9.85% | 8.06% | 8.14% | 7.05% | 6.42% | 5.94% | 5.16% | -298 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.02% | 85.41% | 77.31% | 74.03% | 75.24% | 74.36% | 71.81% | 75.07% | +104 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |