Kingstree, SC · Cert 15077
FDIC
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Kingstree, SC · Cert 15077
FDIC
Q2 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 0.92% | 0.67% | 0.73% | 0.69% | 0.70% | 0.59% | 0.42% | -31 bps | |
| Return on Equity | 5.19% | 4.92% | 3.56% | 3.92% | 3.70% | 3.76% | 3.27% | 2.32% | -161 bps | |
| Net Interest Margin | 3.70% | 3.72% | 3.33% | 3.33% | 3.31% | 3.30% | 3.03% | 3.26% | -7 bps | |
| Efficiency Ratio | 62.48% | 62.39% | 68.82% | 66.70% | 67.34% | 68.18% | 72.79% | 78.91% | +1,220 bps | |
| Non-Interest Burden | 2.04% | 2.05% | 2.13% | 2.04% | 2.05% | 2.09% | 2.12% | 2.55% | +51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.48% | 1.19% | 0.35% | 2.05% | 0.87% | 5.60% | 3.67% | -0.14% | -219 bps | |
| Loan Growth (YoY) | -0.40% | -5.51% | -1.36% | 0.00% | -3.05% | -2.78% | -2.11% | -3.37% | -337 bps | |
| Deposit Growth (YoY) | 1.04% | 3.57% | 4.23% | 4.95% | 8.52% | 6.95% | 7.27% | 1.08% | -387 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 | 0.15% | 0.27% | 0.17% | 0.15% | 0.23% | 0.24% | 0.09% | 0.13% | -1 bps | |
| Allowance / Loans | 1.51% | 1.58% | 1.61% | 1.62% | 1.66% | 1.66% | 1.65% | 1.65% | +3 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 | 30.97% | 31.69% | 32.47% | 32.16% | 33.12% | 33.57% | 34.00% | 34.38% | +221 bps | |
| Equity / Assets | 18.67% | 19.03% | 18.80% | 18.10% | 18.66% | 18.03% | 18.12% | 18.27% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.45% | 78.56% | 76.29% | 74.74% | 74.55% | 71.42% | 69.62% | 71.45% | -329 bps | |
| Liquid Assets / Assets | 8.22% | 8.19% | 8.78% | 9.65% | 12.26% | 15.42% | 15.42% | 17.45% | +780 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |