Columbia, SC · Charter 17716
Q4 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.36% | 4.36% | 4.13% | 4.42% | 4.45% | 4.52% | 5.12% | 4.80% | +38 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | 20.23% | 16.98% | 30.73% | 30.37% | 33.55% | 51.29% | +3,430 bps | |
| Loan Growth (YoY) | n/a | n/a | 43.09% | 21.38% | 26.37% | 31.30% | 43.72% | 48.03% | +2,665 bps | |
| Share Growth (YoY) | n/a | n/a | 20.16% | 16.95% | 33.02% | 32.24% | 34.61% | 53.53% | +3,658 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.94% | 2.15% | 1.30% | 1.05% | 0.46% | 0.80% | 0.41% | 0.80% | -25 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 | 1.70% | 1.67% | 1.69% | 2.06% | 1.77% | 1.73% | 1.53% | 1.18% | -88 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.57% | 95.51% | 78.74% | 77.45% | 85.09% | 94.83% | 84.07% | 74.68% | -277 bps | |
| Liquid Assets / Assets | 16.31% | 8.73% | 20.81% | 24.45% | 20.58% | 8.83% | 9.07% | 9.98% | -1,447 bps | |