Kingstree, SC · Cert 17837
FDIC
Q2 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | -7.28% | 0.13% | 0.03%1 | -3.66% | -18.44% | -6.42% | -3.21% | -324 bps | |
| Return on Equity | 5.78% | -73.64% | 1.45% | 0.35% | -42.89% | -337% | -294% | -224% | -22,410 bps | |
| Net Interest Margin | 3.63% | 3.43% | 3.19% | 2.99% | 3.03% | 3.02% | 2.01% | 2.29% | -70 bps | |
| Efficiency Ratio | 66.96% | 85.24% | 89.97% | 107.19% | 105.47% | 145.00% | 92.87% | 163.58% | +5,639 bps | |
| Non-Interest Burden | 2.09% | 2.79% | 2.75% | 3.27% | 3.24% | 4.78% | 1.81% | 4.35% | +108 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.77% | 8.50% | 5.18% | 4.10% | 0.72% | 0.35% | -1.64% | -8.88% | -1,298 bps | |
| Loan Growth (YoY) | 13.42% | 8.94% | 1.26% | -4.46% | -11.34% | -18.62% | -25.26% | -29.69% | -2,523 bps | |
| Deposit Growth (YoY) | 14.10% | 13.96% | 8.65% | 3.76% | 5.85% | 12.17% | 12.11% | 10.10% | +634 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 | 1.10% | 2.70% | 8.19% | 2.60% | 7.81% | 20.54% | 20.65% | 5.92% | +332 bps | |
| Allowance / Loans | 1.91% | 5.41% | 3.67% | 3.12% | 3.66% | 7.43% | 7.09% | 6.72% | +360 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 | 16.64% | 13.82% | 13.85% | 13.79% | 12.85% | 5.84% | 4.34% | 2.97% | -1,083 bps | |
| Equity / Assets | 10.90% | 8.89% | 9.08% | 8.81% | 8.25% | 2.72% | 1.64% | 1.22% | -759 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.40% | 81.36% | 77.49% | 80.02% | 71.53% | 59.03% | 51.66% | 51.10% | -2,892 bps | |
| Liquid Assets / Assets | 0.14% | 0.11% | 0.14% | 0.10% | 0.08% | 7.34% | 15.90% | 17.20% | +1,709 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |