Greer, SC · Cert 27413
FDIC · 4 branches
Q4 2016
Market Position · Greenville-Anderson-Mauldin, SC · 2016 SOD (annual) · 1.9% share · #12 of 35 inst. · $0.3B of $15.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 0.96% | 0.85% | 0.96% | 0.83% | 0.87% | 1.02% | 0.74% | -22 bps | |
| Return on Equity | 9.16% | 9.01% | 7.94% | 8.90% | 7.58% | 7.87% | 9.26% | 6.83% | -206 bps | |
| Net Interest Margin | 2.95% | 2.97% | 2.90% | 2.97% | 2.86% | 2.88% | 2.96% | 2.92% | -6 bps | |
| Efficiency Ratio | 71.30% | 71.20% | 70.85% | 70.47% | 71.28% | 77.36% | 68.10% | 76.08% | +561 bps | |
| Non-Interest Burden | 1.86% | 1.82% | 1.78% | 1.80% | 1.80% | 2.02% | 1.69% | 2.01% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.66% | 0.65% | 3.24% | 6.27% | 5.87% | 3.26% | 2.48% | 0.53% | -574 bps | |
| Loan Growth (YoY) | 9.39% | 5.95% | 6.45% | 6.73% | 4.73% | 5.26% | 5.49% | 2.50% | -423 bps | |
| Deposit Growth (YoY) | -1.40% | 2.46% | 8.02% | 12.42% | 11.33% | 8.43% | 7.28% | 7.27% | -515 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 | -0.02% | -0.02% | -0.21% | -0.02% | 0.01% | 0.05% | -0.02% | -0.17% | -15 bps | |
| Allowance / Loans | 1.45% | 1.46% | 1.51% | 1.47% | 1.44% | 1.42% | 1.43% | 1.46% | 0 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 | 10.34% | 10.43% | 10.49% | 10.50% | 10.58% | 10.09% | 10.32% | 10.48% | -2 bps | |
| Total Risk-Based Capital | 16.19% | 16.20% | 15.68% | 15.67% | 16.35% | 15.83% | 15.94% | 16.26% | +59 bps | |
| Equity / Assets | 10.72% | 10.52% | 10.79% | 10.80% | 11.05% | 10.97% | 10.98% | 10.57% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.67% | 74.60% | 72.62% | 75.10% | 72.13% | 72.41% | 71.41% | 71.76% | -334 bps | |
| Liquid Assets / Assets | 0.87% | 2.27% | 1.58% | 1.01% | 3.28% | 4.07% | 4.13% | 5.05% | +404 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |