Orangeburg, SC · Cert 27116
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.69% | 0.80% | 1.13% | 0.92% | -0.39% | 0.86% | 0.71% | 0.20% | -71 bps | |
| Return on Equity | 29.53% | 8.24% | 11.68% | 9.51% | -4.01% | 8.78% | 7.38% | 2.07% | -745 bps | |
| Net Interest Margin | 10.53% | 3.83% | 3.85% | 3.88% | 3.91% | 3.82% | 3.82% | 3.76% | -12 bps | |
| Efficiency Ratio | 64.01% | 70.23% | 65.64% | 65.20% | 81.64% | 68.20% | 68.70% | 71.42% | +622 bps | |
| Non-Interest Burden | 5.79% | 2.31% | 1.94% | 2.15% | 3.18% | 2.27% | 2.31% | 2.47% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 153.79% | 156.06% | 163.63% | 150.95% | -0.26% | 2.67% | 0.07% | -3.03% | -15,398 bps | |
| Loan Growth (YoY) | 156.11% | 161.81% | 155.44% | 173.23% | 11.51% | 5.45% | -1.19% | -3.62% | -17,685 bps | |
| Deposit Growth (YoY) | 154.34% | 155.28% | 162.76% | 135.78% | -0.63% | 1.00% | -0.04% | -0.61% | -13,639 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 | 8.98% | 0.07% | -0.52% | 0.20% | 2.32% | -0.04% | 0.30% | 0.25% | +5 bps | |
| Allowance / Loans | 1.11% | 1.14% | 1.25% | 1.27% | 1.10% | 1.21% | 1.27% | 1.53% | +27 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 | 12.96% | 12.83% | 12.69% | 12.64% | 12.33% | 12.69% | 13.10% | 13.28% | +64 bps | |
| Equity / Assets | 9.53% | 9.78% | 9.57% | 9.67% | 9.78% | 9.79% | 9.57% | 9.93% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.61% | 90.96% | 93.91% | 97.41% | 96.06% | 94.97% | 92.84% | 94.46% | -295 bps | |
| Liquid Assets / Assets | 0.62% | 0.56% | 0.37% | 0.34% | 0.45% | 0.39% | 0.35% | 0.34% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |