Woodruff, SC · Cert 14067
FDIC
Q3 2003
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 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.63% | 1.78% | 1.68% | 1.85% | 1.86% | 2.25% | 2.16% | 2.14% | +29 bps | |
| Return on Equity | n/a | 13.12% | 12.36% | 13.66% | 13.72% | 17.00% | 16.52% | 16.44% | +279 bps | |
| Net Interest Margin | 4.98% | 4.82% | 4.83% | 4.87% | 5.07% | 5.16% | 5.06% | 5.04% | +17 bps | |
| Efficiency Ratio | 60.37% | 59.79% | 61.62% | 59.57% | 58.11% | 55.23% | 55.63% | 54.83% | -474 bps | |
| Non-Interest Burden | 2.33% | 2.20% | 2.29% | 2.15% | 2.15% | 1.94% | 1.93% | 1.81% | -34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.15% | 8.97% | 7.92% | 7.59% | 2.13% | 6.02% | 9.82% | 4.83% | -276 bps | |
| Loan Growth (YoY) | 1.00% | -1.16% | 8.32% | 22.60% | 16.83% | 10.96% | 5.82% | 17.37% | -523 bps | |
| Deposit Growth (YoY) | 6.67% | 10.35% | 8.40% | 8.48% | 1.36% | 4.28% | 9.67% | 2.74% | -574 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 | 0.16% | 0.06% | 0.05% | 0.03% | 0.04% | 0.01% | 0.01% | 0.04% | +1 bps | |
| Allowance / Loans | 1.59% | 1.54% | 1.45% | 1.32% | 1.53% | 1.57% | 1.56% | 1.26% | -6 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 | 18.99% | 18.91% | 18.24% | 15.81% | 17.24% | 17.77% | 17.78% | 15.80% | -1 bps | |
| Equity / Assets | 13.75% | 13.39% | 13.60% | 13.45% | 13.66% | 12.82% | 12.80% | 12.91% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.38% | 81.87% | 89.70% | 95.97% | 97.25% | 87.12% | 86.55% | 109.64% | +1,367 bps | |
| Liquid Assets / Assets | 0.02% | 0.02% | 0.03% | 0.07% | 0.03% | 0.08% | 0.09% | 0.10% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |