Loris, SC · Cert 27139
FDIC · 9 branches
Q2 2017
Market Position · Myrtle Beach-Conway-North Myrtle Beach, SC-NC · 2017 SOD (annual) · 3.9% share · #10 of 25 inst. · $0.3B of $8.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.97% | -3.25% | -2.12% | 0.33% | 0.39% | +436 bps | |
| Return on Equity | -77.02% | -52.07% | -31.00% | 3.63% | 4.25% | +8,127 bps | |
| Net Interest Margin | 2.45% | 2.48% | 2.56% | 2.77% | 2.75% | +30 bps | |
| Efficiency Ratio | 719% | 433% | 252% | 89.56% | 87.86% | -63,074 bps | |
| Non-Interest Burden | 5.63% | 5.24% | 4.67% | 2.44% | 2.36% | -326 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.45% | 0.76% | 4.08% | 5.72% | 1.91% | +936 bps | |
| Loan Growth (YoY) | -12.26% | -4.91% | 2.74% | 14.73% | 14.40% | +2,665 bps | |
| Deposit Growth (YoY) | -15.59% | -6.57% | -5.06% | -3.69% | -0.76% | +1,482 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.84% | 0.81% | +81 bps | |
| Net Charge-Offs / Loans | 5.01% | 3.13% | 2.22% | 0.06% | 0.09% | -492 bps | |
| Allowance / Loans | 2.21% | 2.24% | 1.74% | 1.62% | 1.57% | -64 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 1.9x | 1.9x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.90% | 9.38% | 9.95% | 10.08% | 9.97% | +7 bps | |
| Total Risk-Based Capital | 17.58% | 16.34% | 16.44% | 15.94% | 16.09% | -149 bps | |
| Equity / Assets | 9.93% | 9.43% | 9.16% | 9.18% | 9.43% | -50 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.64% | 64.39% | 68.47% | 70.87% | 72.21% | +957 bps | |
| Liquid Assets / Assets | 16.19% | 5.90% | 6.29% | 5.22% | 6.66% | -953 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |