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Rock Hill National Bank

Rock Hill, SC · Cert 15802

FDIC

Q2 1999

$322.9BAssets
$180.1BLoans
$170.1BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.08%, down 19 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 105.93% of deposits as of Q2 1999.

Return on Assets (YTD, annualized)

1.08%-19 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.

MetricQ3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999YoY ΔTrend
Earnings
Return on Assets1.17%1.11%1.32%1.27%1.24%1.30%1.19%1.08%-19 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)164.81%148.14%128.74%46.15%39.08%58.04%46.60%38.95%-720 bps
Loan Growth (YoY)142.55%89.61%102.64%37.76%46.00%69.98%56.72%27.04%-1,072 bps
Deposit Growth (YoY)125.39%118.72%138.16%52.20%36.46%71.12%69.92%25.58%-2,662 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 / Deposits102.92%98.16%114.28%104.71%110.11%97.51%105.40%105.93%+122 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