Taylors, SC · Charter 24621
Q2 2006
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.33% | 0.27% | -0.23% | -0.31% | -0.76% | -0.96% | -3.14% | -291 bps | |
| Return on Equity | 3.41% | 4.28% | 3.37% | -2.92% | -4.16% | -10.42% | -13.62% | -51.97% | -4,905 bps | |
| Net Interest Margin | 4.27% | 4.35% | 4.44% | 4.52% | 4.33% | 4.32% | 3.49% | 3.76% | -77 bps | |
| Efficiency Ratio | 86.50% | 85.30% | 86.67% | 87.20% | 85.55% | 84.45% | 88.23% | 119.04% | +3,184 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.26% | 5.09% | -1.77% | -3.89% | -1.73% | -4.27% | -1.31% | -4.95% | -106 bps | |
| Loan Growth (YoY) | 1.76% | -0.39% | 1.84% | -0.47% | -4.65% | -7.53% | -17.17% | -23.33% | -2,286 bps | |
| Share Growth (YoY) | 9.73% | 4.99% | -2.38% | -4.39% | -1.56% | -3.73% | -0.66% | -3.95% | +44 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.35% | 1.77% | 1.77% | 2.05% | 1.20% | 1.15% | 0.53% | 0.77% | -128 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 | 0.45% | 0.61% | 0.51% | 0.56% | 0.61% | 0.81% | 1.21% | 1.57% | +101 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.53% | 7.75% | 7.89% | 7.88% | 7.56% | 7.33% | 7.07% | 6.05% | -183 bps | |
| Net Worth / Assets | 7.53% | 7.75% | 7.89% | 7.88% | 7.56% | 7.33% | 7.07% | 6.05% | -183 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.46% | 87.49% | 89.37% | 91.32% | 85.69% | 84.03% | 74.51% | 72.89% | -1,843 bps | |
| Liquid Assets / Assets | 8.39% | 110.14% | 9.32% | 6.39% | 110.15% | 10.54% | 18.59% | 0.00% | -639 bps | |