Charleston, SC · Charter 24765
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Ratio | n/a | 78.25% | 215% | 178.76% | 132.53% | 118.19% | 104.46% | 109.73% | -6,903 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | 1202% | 48.32% | 27.60% | 45.17% | 19.65% | -118,203 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 1416% | 1149% | 1369% | 647% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | 7259% | 67.32% | 47.49% | 54.95% | 20.96% | -723,840 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 1.69% | 0.49% | 1.42% | 8.56% | 12.65% | +1,096 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 | 0.00% | 7.21% | 6.04% | 2.76% | 0.78% | 0.58% | 0.41% | 0.37% | -239 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.31% | 10.54% | 5.45% | 1.20% | 2.29% | 3.16% | 2.54% | 1.17% | -3 bps | |
| Net Worth / Assets | 19.31% | 10.54% | 5.45% | 1.20% | 2.29% | 3.16% | 2.54% | 1.17% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 4.34% | 6.29% | 7.23% | 11.05% | 39.32% | 53.28% | 68.48% | 68.29% | +5,724 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |