Johnsonville, SC · Cert 16420
FDIC
Q1 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.93% | 0.86% | 0.20% | 0.21% | 0.68% | -0.26% | 0.54% | +34 bps | |
| Return on Equity | 2.45% | 6.43% | 5.85% | 1.31% | 1.32% | 4.41% | -1.66% | 3.58% | +226 bps | |
| Net Interest Margin | 4.62% | 4.64% | 4.60% | 4.40% | 4.06% | 4.18% | 4.09% | 4.24% | -16 bps | |
| Efficiency Ratio | 71.83% | 63.51% | 77.06% | 72.89% | 76.02% | 68.65% | 72.80% | 72.87% | -3 bps | |
| Non-Interest Burden | 3.19% | 2.76% | 3.43% | 3.05% | 2.98% | 2.73% | 2.82% | 2.96% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.37% | 3.85% | 4.75% | -5.70% | -2.64% | -6.20% | -1.70% | 6.05% | +1,176 bps | |
| Loan Growth (YoY) | 2.63% | -1.65% | 0.95% | -5.57% | -9.66% | -7.46% | -9.98% | -7.89% | -231 bps | |
| Deposit Growth (YoY) | -2.04% | 4.09% | 5.01% | -7.16% | -3.71% | -7.83% | -2.15% | 6.78% | +1,394 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 | 1.81% | 0.63% | 0.65% | 1.59% | 1.61% | 2.80% | 3.74% | 0.48% | -111 bps | |
| Allowance / Loans | 1.56% | 1.62% | 1.59% | 1.61% | 1.50% | 1.01% | 1.49% | 1.76% | +15 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 | 28.92% | 29.48% | 29.91% | 31.50% | 31.96% | 31.75% | 31.71% | 33.87% | +237 bps | |
| Equity / Assets | 14.67% | 14.37% | 15.14% | 15.83% | 15.36% | 15.54% | 15.33% | 15.03% | -80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.79% | 57.87% | 61.86% | 61.74% | 57.03% | 58.10% | 56.91% | 53.26% | -848 bps | |
| Liquid Assets / Assets | 31.49% | 35.49% | 34.19% | 33.75% | 32.67% | 25.76% | 14.58% | 27.65% | -609 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |