Columbia, SC · Charter 2261
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Columbia, SC · Charter 2261
Q3 2015
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.81% | 5.28% | 2.41% | 1.48% | 0.86% | -1.00% | -4.62% | -3.08% | -456 bps | |
| Return on Equity | -12.05% | 68.71% | 31.22% | 18.68% | 11.10% | -14.29% | -95.40% | -63.60% | -8,228 bps | |
| Net Interest Margin | 2.82% | 2.59% | 2.64% | 2.70% | 2.72% | 2.40% | 2.36% | 1.57% | -113 bps | |
| Efficiency Ratio | 119.61% | 47.34% | 66.52% | 76.91% | 85.11% | 125.97% | 204% | 204% | +12,735 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.87% | -1.43% | -3.39% | -4.63% | -2.58% | -1.02% | 2.46% | 6.94% | +1,156 bps | |
| Loan Growth (YoY) | -3.62% | -3.68% | -4.52% | -11.48% | -13.63% | -8.77% | -11.02% | -6.38% | +510 bps | |
| Share Growth (YoY) | -4.41% | -2.27% | -4.32% | -5.74% | -3.57% | -0.29% | 5.67% | 10.50% | +1,624 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.76% | 1.65% | 1.46% | 2.88% | 2.64% | 2.12% | 2.92% | 2.92% | +3 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 | 0.07% | 0.10% | 0.12% | 0.08% | 0.03% | 0.04% | 1.50% | 1.50% | +142 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.71% | 7.68% | 7.73% | 7.91% | 7.75% | 6.98% | 4.85% | 4.85% | -307 bps | |
| Net Worth / Assets | 6.71% | 7.68% | 7.73% | 7.91% | 7.75% | 6.98% | 4.85% | 4.85% | -307 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.18% | 35.78% | 36.13% | 35.90% | 35.09% | 32.74% | 30.42% | 30.42% | -548 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |