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Pee Dee State Bank

Timmonsville, SC · Cert 15030

FDIC

Q4 1997

$139.4MAssets
$90.5MLoans
$119.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.46%, up 1 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 76.12% of deposits as of Q4 1997.

Return on Assets (YTD, annualized)

1.46%+1 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets1.39%1.55%1.52%1.45%1.25%1.37%1.43%1.46%+1 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)19.22%17.26%21.07%21.43%14.36%14.11%9.81%12.93%-851 bps
Loan Growth (YoY)21.98%26.53%20.90%17.03%13.79%13.95%15.74%15.35%-168 bps
Deposit Growth (YoY)19.79%16.89%21.94%22.15%15.22%15.91%10.83%15.39%-676 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits77.28%79.99%75.08%76.14%76.32%78.64%78.40%76.12%-3 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a