Sumter, SC · Cert 2111
FDIC
Q1 2010
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 0.72% | 0.43% | -1.46% | -3.56% | -5.71% | -4.87% | -9.18% | -772 bps | |
| Return on Equity | 9.83% | 7.81% | 4.65% | -15.79% | -39.16% | -64.16% | -54.63% | -106.42% | -9,063 bps | |
| Net Interest Margin | 3.45% | 3.34% | 3.19% | 2.78% | 2.78% | 2.91% | 2.96% | 2.77% | -1 bps | |
| Efficiency Ratio | 31.98% | 34.18% | 36.30% | 50.89% | 54.27% | 61.33% | 61.21% | 60.00% | +911 bps | |
| Non-Interest Burden | 0.67% | 0.80% | 0.86% | 1.20% | 1.37% | 1.72% | 1.86% | 1.56% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.09% | 6.93% | 6.26% | 2.91% | -2.55% | -4.31% | -9.24% | -11.84% | -1,475 bps | |
| Loan Growth (YoY) | 8.03% | 5.49% | 7.12% | 4.12% | -6.39% | -10.11% | -16.03% | -18.83% | -2,295 bps | |
| Deposit Growth (YoY) | 4.39% | 17.09% | 18.75% | 7.78% | 1.58% | -6.26% | -8.86% | -5.11% | -1,289 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 | 1.17% | 1.24% | 1.14% | 3.36% | 6.56% | 8.74% | 7.75% | 9.17% | +581 bps | |
| Allowance / Loans | 1.31% | 1.47% | 1.96% | 2.29% | 3.32% | 3.45% | 4.33% | 5.05% | +276 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 | 10.11% | 10.43% | 10.69% | 10.75% | 10.90% | 10.57% | 11.50% | 10.83% | +7 bps | |
| Equity / Assets | 8.98% | 9.01% | 9.29% | 9.22% | 8.79% | 8.24% | 9.03% | 8.20% | -102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.40% | 93.63% | 95.90% | 102.81% | 95.28% | 89.79% | 88.36% | 87.95% | -1,486 bps | |
| Liquid Assets / Assets | 0.00% | 0.02% | 0.05% | 0.04% | 3.51% | 4.33% | 4.45% | 4.60% | +456 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |