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Port Trust

Charleston, SC · Charter 24765

Q2 2008

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2008, the quarter ended June 30, 2008, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Port Trust

Charleston, SC · Charter 24765

Q2 2008

$461KAssets
$292KLoans
$427KShares
$5KNet Worth

Executive Summary

  • Earnings: ROA of -2.97%, up 1,125 bps year over year; NIM at 5.46%.
  • Asset quality: problem loans at 12.65% of loans (+1,096 bps YoY).
  • Capital: net worth / assets of 1.17%, down 3 bps from a year ago.
  • Funding: loans stand at 68.29% of shares as of Q2 2008.

Return on Assets (YTD, annualized)

-2.97%+1,125 bps YoY

Net Interest Margin (YTD, annualized)

5.46%+365 bps YoY

Efficiency Ratio (YTD, annualized)

109.73%-6,903 bps YoY

Net Worth / Assets

1.17%-3 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets-33.63%10.54%-22.52%-14.23%-7.96%-5.10%-1.53%-2.97%+1,125 bps
Return on Equity-174.18%100.00%-414%-1185%-347%-161.56%-60.18%-254%+93,143 bps
Net Interest Margin-1.05%-0.04%2.70%1.82%2.73%3.51%4.87%5.46%+365 bps
Efficiency Ration/a78.25%215%178.76%132.53%118.19%104.46%109.73%-6,903 bps
Growth
Asset Growth (YoY)n/an/an/a1202%48.32%27.60%45.17%19.65%-118,203 bps
Loan Growth (YoY)n/an/an/an/a1416%1149%1369%647%n/a
Share Growth (YoY)n/an/an/a7259%67.32%47.49%54.95%20.96%-723,840 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%1.69%0.49%1.42%8.56%12.65%+1,096 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%7.21%6.04%2.76%0.78%0.58%0.41%0.37%-239 bps
Capital
Risk-Based Capital19.31%10.54%5.45%1.20%2.29%3.16%2.54%1.17%-3 bps
Net Worth / Assets19.31%10.54%5.45%1.20%2.29%3.16%2.54%1.17%-3 bps
Liquidity & Funding
Loans / Shares4.34%6.29%7.23%11.05%39.32%53.28%68.48%68.29%+5,724 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps