Mauldin, SC · Charter 23219
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, 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.
Mauldin, SC · Charter 23219
Q4 2002
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 0.79% | 0.80% | 0.07% | 0.07% | 0.59% | 0.26% | 0.50% | +42 bps | |
| Return on Equity | n/a | n/a | 6.51% | 0.70% | 0.70% | 5.82% | 2.49% | 4.39% | +368 bps | |
| Net Interest Margin | 5.10% | 4.89% | 5.26% | 4.39% | 4.35% | 4.28% | 4.49% | 4.80% | +41 bps | |
| Efficiency Ratio | 77.94% | 77.90% | 78.38% | 86.10% | 88.88% | 86.47% | 87.82% | 85.78% | -31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.32% | 20.99% | 14.25% | 22.23% | 18.92% | 13.46% | 16.11% | -3.87% | -2,610 bps | |
| Loan Growth (YoY) | 11.97% | 21.69% | 14.51% | 11.95% | 10.33% | -1.26% | -3.53% | -1.50% | -1,345 bps | |
| Share Growth (YoY) | 20.20% | 21.74% | 14.40% | 22.58% | 19.76% | 15.05% | 17.99% | -3.97% | -2,655 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.49% | 1.46% | 1.38% | 0.80% | 1.54% | 1.96% | 2.27% | 0.96% | +16 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 | 0.76% | 0.99% | 0.59% | 0.92% | 1.33% | 1.14% | 1.32% | 1.12% | +20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 12.21% | 10.66% | 10.54% | 10.22% | 10.48% | 11.30% | +64 bps | |
| Net Worth / Assets | n/a | n/a | 12.21% | 10.66% | 10.54% | 10.22% | 10.48% | 11.30% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.71% | 82.39% | 91.74% | 76.88% | 79.87% | 70.70% | 75.00% | 78.86% | +198 bps | |
| Liquid Assets / Assets | 2.81% | 12.48% | 12.83% | 26.36% | 23.53% | 30.47% | 26.78% | 22.77% | -359 bps | |