Rock Hill, SC · Charter 17405
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Rock Hill, SC · Charter 17405
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.00% | -0.23% | 0.24% | -0.33% | -1.31% | -5.05% | -2.64% | -2.20% | -187 bps | |
| Return on Equity | 11.11% | -1.31% | 1.37% | -1.96% | -7.95% | -32.77% | -16.34% | -13.23% | -1,127 bps | |
| Net Interest Margin | 7.40% | 6.60% | 6.18% | 6.04% | 5.97% | 4.74% | 4.85% | 4.92% | -112 bps | |
| Efficiency Ratio | 67.36% | 81.75% | 76.21% | 84.06% | 83.78% | 122.32% | 111.42% | 111.62% | +2,756 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.93% | 16.97% | 9.72% | 8.04% | 2.79% | -2.70% | -9.08% | -12.88% | -2,092 bps | |
| Loan Growth (YoY) | 16.45% | 4.59% | -9.76% | -15.96% | -20.54% | -20.46% | -22.79% | -23.66% | -770 bps | |
| Share Growth (YoY) | -1.44% | 17.55% | 9.33% | 8.66% | 5.85% | -0.64% | -7.66% | -12.86% | -2,152 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.33% | 0.64% | 1.63% | 3.81% | 4.08% | 7.68% | 7.37% | 7.06% | +325 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 | 0.98% | 1.28% | 1.70% | 1.97% | 3.23% | 3.83% | 2.91% | 1.74% | -23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.98% | 17.46% | 17.24% | 16.94% | 16.51% | 15.42% | 16.13% | 16.64% | -30 bps | |
| Net Worth / Assets | 17.98% | 17.46% | 17.24% | 16.94% | 16.51% | 15.42% | 16.13% | 16.64% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 109.41% | 93.62% | 88.55% | 85.60% | 82.13% | 74.94% | 74.04% | 74.99% | -1,061 bps | |
| Liquid Assets / Assets | 9.51% | 21.13% | 25.73% | 27.63% | 29.83% | 36.49% | 36.46% | 35.81% | +818 bps | |