Anderson, SC · Charter 14835
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Anderson, SC · Charter 14835
Q3 2009
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.41% | -1.38% | -0.52% | -1.82% | -3.08% | -4.63% | -4.38% | -4.43% | -261 bps | |
| Return on Equity | -4.51% | -16.71% | -6.27% | -24.38% | -50.64% | -99.50% | -101.89% | -164.47% | -14,008 bps | |
| Net Interest Margin | 5.52% | 4.64% | 4.68% | 5.10% | 5.32% | 4.97% | 4.69% | 5.08% | -2 bps | |
| Efficiency Ratio | 103.64% | 122.38% | 112.45% | 108.20% | 129.25% | 208% | 131.78% | 144.48% | +3,628 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.47% | -1.23% | 1.17% | -0.08% | 0.04% | -1.76% | 0.14% | -2.73% | -266 bps | |
| Loan Growth (YoY) | -2.42% | 1.47% | 6.29% | 3.03% | -2.04% | -5.90% | -7.03% | -4.33% | -736 bps | |
| Share Growth (YoY) | -5.93% | -1.00% | 0.73% | 1.26% | 3.57% | 2.08% | 3.69% | 2.18% | +92 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.20% | 2.02% | 4.11% | 1.03% | 1.93% | 1.90% | 1.85% | 1.97% | +94 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 | 1.25% | 1.22% | 0.75% | 1.83% | 2.32% | 2.53% | 2.52% | 2.47% | +63 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.18% | 8.26% | 8.25% | 7.45% | 6.09% | 4.66% | 4.30% | 2.69% | -476 bps | |
| Net Worth / Assets | 9.18% | 8.26% | 8.25% | 7.45% | 6.09% | 4.66% | 4.30% | 2.69% | -476 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.15% | 75.89% | 76.89% | 78.13% | 77.69% | 69.96% | 68.94% | 73.16% | -497 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |