Anderson, SC · Charter 19383
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Anderson, SC · Charter 19383
Q3 2003
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 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.92% | 1.05% | 1.09% | 1.24% | 1.48% | 1.37% | 1.12% | -21.00% | -2,224 bps | |
| Return on Equity | 8.25% | 4.40% | 4.76% | 5.40% | 6.02% | 5.55% | 4.43% | -196.89% | -20,229 bps | |
| Net Interest Margin | 3.92% | 3.20% | 3.03% | 3.20% | 3.44% | 3.44% | 3.37% | -18.77% | -2,197 bps | |
| Efficiency Ratio | 49.70% | 60.89% | 59.04% | 55.98% | 52.95% | 55.30% | 52.23% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.07% | -3.98% | 9.46% | 16.79% | 1.05% | 4.25% | -2.88% | -11.18% | -2,798 bps | |
| Loan Growth (YoY) | -12.20% | -27.11% | -37.97% | -38.38% | -28.25% | -22.04% | -10.56% | -18.30% | +2,009 bps | |
| Share Growth (YoY) | -13.87% | -9.38% | 8.87% | 20.21% | 0.02% | 4.06% | -5.33% | 3.33% | -1,688 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.69% | 1.18% | 1.42% | 1.51% | 1.60% | 2.01% | 0.38% | -104 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 | 0.81% | 1.04% | 0.76% | 0.86% | 0.80% | 0.92% | 1.65% | 1.33% | +47 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.23% | 23.79% | 23.01% | 22.98% | 24.54% | 24.62% | 25.17% | 10.67% | -1,232 bps | |
| Net Worth / Assets | 23.23% | 23.79% | 23.01% | 22.98% | 24.54% | 24.62% | 25.17% | 10.67% | -1,232 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.34% | 62.59% | 47.66% | 46.27% | 50.45% | 46.89% | 45.03% | 36.58% | -968 bps | |
| Liquid Assets / Assets | 34.01% | 48.69% | 59.49% | 60.96% | 56.68% | 63.04% | 48.85% | 51.24% | -972 bps | |