Charleston, SC · Charter 20370
Q4 2000
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.03% | 5.65% | 5.33% | 5.35% | 4.66% | 2.44% | 3.39% | 3.30% | -205 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 9.34% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 5.39% | 4.96% | 5.79% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 70.53% | 56.95% | 64.63% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.69% | 6.79% | 8.65% | 7.39% | 9.56% | 3.64% | 6.89% | -0.67% | -806 bps | |
| Loan Growth (YoY) | -18.70% | -14.66% | -11.51% | -8.91% | 2.10% | 4.70% | 8.74% | 13.40% | +2,231 bps | |
| Share Growth (YoY) | 0.86% | 2.86% | 11.62% | 2.01% | 4.38% | -7.13% | -7.01% | -12.59% | -1,460 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 2.38% | 2.80% | 2.46% | 3.22% | 1.11% | 0.94% | 1.52% | -93 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 | 3.04% | 4.17% | 4.58% | 5.14% | 4.50% | 4.27% | 3.86% | 3.51% | -163 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 35.34% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 35.34% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.69% | 59.10% | 54.20% | 60.75% | 57.40% | 66.63% | 63.39% | 78.81% | +1,806 bps | |
| Liquid Assets / Assets | 29.81% | 57.62% | 33.19% | 32.50% | 33.10% | 54.78% | 22.95% | 20.67% | -1,183 bps | |