Anderson, SC · Charter 20122
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.09% | 5.67% | 5.33% | 1.42% | 1.60% | 1.91% | 1.56% | -0.32% | -173 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 10.90% | 9.47% | -1.92% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 3.44% | 3.04% | 3.19% | 2.74% | 3.35% | -10 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 45.03% | 47.11% | 45.85% | 46.96% | 42.28% | -276 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.99% | 23.00% | 14.11% | 16.03% | 21.38% | 14.55% | 23.41% | 12.96% | -307 bps | |
| Loan Growth (YoY) | 29.85% | 23.96% | 11.55% | 14.08% | 12.88% | 16.17% | 12.04% | -3.98% | -1,806 bps | |
| Share Growth (YoY) | 14.62% | 22.32% | 12.62% | 14.97% | 21.83% | 14.25% | 24.91% | 14.79% | -18 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.14% | 2.94% | 1.29% | 1.53% | 1.65% | 2.51% | 2.53% | 4.38% | +285 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 | 1.71% | 2.15% | 1.69% | 1.70% | 1.43% | 1.89% | 1.75% | 3.52% | +181 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 17.54% | 16.48% | 16.53% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 17.54% | 16.48% | 16.53% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.52% | 87.18% | 87.55% | 90.32% | 84.80% | 88.65% | 78.53% | 75.55% | -1,477 bps | |
| Liquid Assets / Assets | 21.85% | 23.17% | 23.55% | 0.00% | 0.00% | 26.60% | 34.00% | 37.41% | +3,741 bps | |