Columbia, SC · Charter 24764
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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 24764
Q2 2009
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.86% | 4.69% | -16.23% | -12.04% | -7.19% | -5.98% | -6.08% | -1.07% | +1,096 bps | |
| Return on Equity | 69.21% | 73.08% | -763% | -2568% | -1005% | -1622% | n/a | -14907% | -1,233,874 bps | |
| Net Interest Margin | 3.44% | 3.02% | 4.22% | 4.24% | 4.32% | 4.03% | 4.52% | 4.70% | +46 bps | |
| Efficiency Ratio | 49.64% | 42.14% | 133.14% | 136.92% | 122.76% | 104.57% | 91.76% | 68.38% | -6,855 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 328% | 257% | 142.45% | 64.30% | 27.11% | 1.06% | -1.28% | 0.35% | -6,395 bps | |
| Loan Growth (YoY) | 12122% | 4103% | 278% | 74.68% | 26.31% | 6.33% | -1.55% | -8.22% | -8,290 bps | |
| Share Growth (YoY) | 362% | 256% | 146.23% | 74.91% | 34.38% | 7.99% | 2.09% | 0.67% | -7,425 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.82% | 3.13% | 2.43% | 5.76% | 8.20% | 8.43% | 6.95% | 6.74% | +99 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 | 0.89% | 1.63% | 3.53% | 4.10% | 3.51% | 4.03% | 4.11% | 3.90% | -19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.57% | 6.41% | 2.13% | 0.47% | 0.72% | 0.37% | -0.98% | 0.01% | -46 bps | |
| Net Worth / Assets | 5.57% | 6.41% | 2.13% | 0.47% | 0.72% | 0.37% | -0.98% | 0.01% | -46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.36% | 87.69% | 84.31% | 88.25% | 85.88% | 86.34% | 81.30% | 80.46% | -779 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |