Greer, SC · Charter 14202
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, 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.
Greer, SC · Charter 14202
Q2 1997
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 | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 3.78% | 3.93% | 3.69% | 4.11% | 4.86% | 4.93% | 3.21% | -48 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 8.87% | -2.66% | 3.04% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 10.03% | 3.24% | -11.87% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 5.18% | -8.03% | -1.08% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 1.43% | 0.77% | 0.01% | 0.74% | 0.48% | 1.82% | 0.71% | +70 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.25% | 1.16% | 0.39% | 1.13% | 1.11% | 1.04% | 0.87% | +47 bps | |
| Capital | |||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||||
| Loans / Shares | 98.88% | 103.23% | 105.64% | 106.50% | 103.44% | 115.88% | 94.11% | -1,153 bps | |
| Liquid Assets / Assets | 13.72% | 9.82% | 6.54% | 3.22% | 6.30% | 6.73% | 3.17% | -337 bps | |