Jefferson, SC · Cert 16469
FDIC
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.28% | 0.59% | -0.16% | 0.00% | -2.65% | -393 bps | |
| Return on Equity | 9.14% | 4.21% | -1.15% | 0.00% | -18.89% | -2,803 bps | |
| Net Interest Margin | 5.68% | 5.44% | 5.95% | 6.16% | 5.72% | +4 bps | |
| Efficiency Ratio | 67.61% | 76.95% | 98.83% | 92.83% | 104.78% | +3,717 bps | |
| Non-Interest Burden | 3.54% | 3.89% | 5.87% | 5.65% | 6.05% | +251 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.77% | -3.61% | 0.75% | 1.16% | -5.93% | -670 bps | |
| Loan Growth (YoY) | -1.76% | -4.26% | -1.52% | -2.56% | -10.97% | -921 bps | |
| Deposit Growth (YoY) | 0.60% | -4.83% | 0.12% | 1.07% | -5.99% | -660 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 4.54% | -0.22% | 1.90% | -0.11% | 7.92% | +338 bps | |
| Allowance / Loans | 3.04% | 3.41% | 3.14% | 3.47% | 3.24% | +20 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 26.38% | 27.10% | 26.90% | 27.61% | 26.85% | +47 bps | |
| Equity / Assets | 13.73% | 14.22% | 13.92% | 14.27% | 13.78% | +5 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 58.69% | 58.39% | 58.21% | 58.00% | 55.59% | -311 bps | |
| Liquid Assets / Assets | 35.35% | 36.21% | 29.40% | 37.05% | 30.44% | -491 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |