Columbia, SC · Charter 16212
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Columbia, SC · Charter 16212
Q1 2007
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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.80% | 0.69% | 0.40% | 0.98% | 1.12% | -0.66% | 1.23% | +83 bps | |
| Return on Equity | 3.57% | 4.36% | 3.74% | 2.18% | 5.27% | 5.81% | -3.50% | 6.49% | +431 bps | |
| Net Interest Margin | 4.41% | 4.41% | 4.48% | 4.27% | 4.50% | 4.70% | 5.07% | 5.10% | +84 bps | |
| Efficiency Ratio | 82.77% | 79.68% | 79.27% | 70.99% | 74.62% | 74.64% | 108.04% | 78.04% | +705 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.77% | 2.33% | 0.99% | 3.19% | 3.87% | -1.04% | -6.06% | -5.41% | -861 bps | |
| Loan Growth (YoY) | -0.55% | 2.60% | 1.31% | 1.66% | -4.47% | -6.11% | -6.58% | -10.96% | -1,262 bps | |
| Share Growth (YoY) | 1.42% | 1.85% | 0.29% | 2.97% | 3.31% | -2.72% | -7.76% | -5.98% | -895 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.20% | 1.32% | 1.12% | 0.66% | 1.39% | 0.54% | 1.30% | 1.99% | +132 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 | 0.78% | 0.66% | 0.59% | 1.07% | 0.96% | 0.89% | 0.91% | 0.87% | -20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.51% | 18.24% | 18.32% | 18.40% | 18.68% | 19.37% | 18.84% | 19.00% | +60 bps | |
| Net Worth / Assets | 18.51% | 18.24% | 18.32% | 18.40% | 18.68% | 19.37% | 18.84% | 19.00% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.21% | 77.93% | 77.03% | 76.48% | 74.17% | 75.22% | 78.02% | 72.43% | -405 bps | |
| Liquid Assets / Assets | 31.60% | 25.75% | 26.41% | 29.45% | 0.00% | 0.00% | 0.00% | 0.00% | -2,945 bps | |