Anderson, SC · Charter 15649
Q1 2012
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 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 0.04% | -0.25% | -0.25% | -0.53% | -0.39% | -0.32% | -22.07% | -2,182 bps | |
| Return on Equity | 0.37% | 0.14% | -0.92% | -0.92% | -1.96% | -1.50% | -1.19% | -89.81% | -8,888 bps | |
| Net Interest Margin | 5.25% | 5.11% | 5.42% | 4.79% | 4.73% | 4.69% | 5.25% | 3.92% | -88 bps | |
| Efficiency Ratio | 94.47% | 94.34% | 94.68% | 101.03% | 98.03% | 99.68% | 90.44% | 580% | +47,911 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.88% | 5.66% | -1.56% | 0.64% | 1.73% | 0.89% | 1.37% | -10.12% | -1,076 bps | |
| Loan Growth (YoY) | 14.50% | 2.49% | -2.30% | -13.73% | -20.92% | -9.46% | 3.13% | -4.50% | +923 bps | |
| Share Growth (YoY) | 2.07% | 7.50% | -2.39% | 1.27% | 2.93% | 1.82% | 2.43% | -6.58% | -785 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.13% | 1.73% | 0.25% | 0.41% | 0.59% | 0.30% | 2.25% | 5.62% | +521 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 | 0.58% | 0.74% | 0.46% | 0.19% | 0.35% | 0.00% | 0.60% | 1.48% | +129 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.87% | 27.15% | 27.73% | 27.31% | 26.89% | 26.37% | 26.98% | 24.58% | -273 bps | |
| Net Worth / Assets | 27.87% | 27.15% | 27.73% | 27.31% | 26.89% | 26.37% | 26.98% | 24.58% | -273 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.92% | 80.49% | 80.93% | 73.68% | 69.09% | 71.57% | 81.49% | 75.32% | +164 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |