Florence, SC · Charter 19691
Q4 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 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.39% | 0.71% | 0.50% | 0.23% | 0.74% | 0.86% | 0.82% | 1.52% | +129 bps | |
| Return on Equity | -8.19% | 4.19% | 3.01% | 1.28% | 4.45% | 5.12% | 5.04% | 9.79% | +851 bps | |
| Net Interest Margin | 5.03% | 5.28% | 1.96% | 1.49% | 5.31% | 5.32% | 4.92% | 4.71% | +322 bps | |
| Efficiency Ratio | 97.50% | 87.81% | 77.14% | 76.01% | 85.11% | 82.36% | 83.11% | 75.63% | -38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.35% | -13.82% | -4.22% | -3.89% | 9.29% | 7.25% | 6.50% | 13.25% | +1,715 bps | |
| Loan Growth (YoY) | -7.07% | 9.71% | 17.26% | 18.33% | 24.99% | 3.21% | -5.79% | -8.38% | -2,671 bps | |
| Share Growth (YoY) | -22.73% | -13.17% | -3.34% | -9.26% | 11.25% | 4.15% | 6.98% | 16.07% | +2,534 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.08% | 0.57% | 0.56% | 1.03% | 0.41% | 0.37% | 0.89% | 2.08% | +106 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 | 1.14% | 0.87% | 0.94% | 1.04% | 0.95% | 0.84% | 1.01% | 0.84% | -21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.00% | 17.04% | 16.53% | 17.70% | 16.55% | 16.88% | 16.34% | 15.51% | -218 bps | |
| Net Worth / Assets | 17.00% | 17.04% | 16.53% | 17.70% | 16.55% | 16.88% | 16.34% | 15.51% | -218 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.25% | 88.46% | 91.51% | 97.38% | 91.28% | 87.66% | 80.58% | 76.87% | -2,052 bps | |
| Liquid Assets / Assets | 27.49% | 16.74% | 16.08% | 15.63% | 19.46% | 11.70% | 21.55% | 0.00% | -1,563 bps | |