Abbeville, SC · Cert 26964
FDIC
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.43% | 1.56% | 1.23% | 1.33% | 1.31% | 1.40% | 1.65% | +42 bps | |
| Return on Equity | 13.08% | 14.54% | 15.24% | 11.71% | 12.71% | 12.57% | 13.02% | 15.46% | +374 bps | |
| Net Interest Margin | 3.62% | 3.88% | 3.98% | 3.88% | 3.59% | 3.60% | 3.50% | 3.63% | -24 bps | |
| Efficiency Ratio | 60.05% | 55.76% | 54.80% | 62.88% | 62.78% | 61.55% | 61.06% | 60.76% | -212 bps | |
| Non-Interest Burden | 1.93% | 1.72% | 1.73% | 2.01% | 1.92% | 1.85% | 1.70% | 1.69% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.58% | -0.25% | 5.05% | 0.55% | -0.29% | 3.74% | 1.92% | 3.71% | +317 bps | |
| Loan Growth (YoY) | 0.42% | 3.24% | 5.70% | 5.47% | 4.14% | 2.93% | 0.63% | 1.13% | -434 bps | |
| Deposit Growth (YoY) | 1.21% | -0.94% | 4.51% | 4.91% | 3.34% | 4.74% | 0.80% | -1.58% | -650 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.22% | 0.21% | 0.17% | -0.04% | 0.03% | 0.13% | 0.19% | +2 bps | |
| Allowance / Loans | 1.01% | 0.99% | 0.97% | 1.01% | 1.04% | 1.01% | 0.97% | 1.10% | +9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 17.14% | 16.79% | 16.75% | 17.14% | 16.79% | 16.76% | 17.38% | 17.43% | +29 bps | |
| Equity / Assets | 9.52% | 10.20% | 10.27% | 10.67% | 10.19% | 10.73% | 10.70% | 10.64% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.78% | 72.89% | 72.49% | 72.09% | 70.32% | 71.63% | 72.36% | 74.07% | +199 bps | |
| Liquid Assets / Assets | 11.62% | 12.40% | 12.10% | 12.15% | 11.29% | 11.35% | 10.96% | 11.65% | -50 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |