Greenwood, SC · Cert 27426
FDIC
Q3 2011
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 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.15% | 0.94% | 0.59% | 0.34%1 | -0.68% | 0.71% | 0.32% | 0.45% | +11 bps | |
| Return on Equity | -36.41% | 11.13% | 7.00% | 3.96% | -7.92% | 8.14% | 3.58% | 5.01% | +105 bps | |
| Net Interest Margin | 3.12% | 2.94% | 2.86% | 2.84% | 3.09% | 3.17% | 3.05% | 3.08% | +24 bps | |
| Efficiency Ratio | 75.30% | 56.21% | 62.39% | 67.02% | 69.67% | 69.28% | 73.52% | 73.62% | +660 bps | |
| Non-Interest Burden | 3.28% | 1.11% | 1.43% | 1.62% | 1.87% | 1.91% | 2.04% | 2.06% | +45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.10% | -3.32% | -7.02% | -8.01% | -12.50% | -13.01% | -15.87% | -8.41% | -40 bps | |
| Loan Growth (YoY) | -11.48% | -12.32% | -14.91% | -15.37% | -14.65% | -15.18% | -14.48% | -14.89% | +48 bps | |
| Deposit Growth (YoY) | 13.78% | 11.72% | 3.55% | -10.11% | -15.09% | -15.81% | -19.35% | -10.34% | -23 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 | 5.67% | 1.26% | 1.74% | 1.88% | 3.16% | 2.27% | 2.18% | 1.82% | -6 bps | |
| Allowance / Loans | 2.49% | 2.54% | 2.50% | 2.61% | 3.53% | 3.23% | 3.24% | 3.12% | +52 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 | 11.88% | 12.65% | 13.22% | 13.46% | 11.99% | 12.56% | 12.97% | 13.63% | +18 bps | |
| Equity / Assets | 8.30% | 8.51% | 8.48% | 9.24% | 8.62% | 8.94% | 9.18% | 9.51% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.38% | 95.08% | 89.28% | 97.99% | 97.88% | 95.79% | 94.66% | 93.02% | -498 bps | |
| Liquid Assets / Assets | 5.23% | 8.08% | 12.92% | 7.17% | 4.25% | 6.72% | 10.35% | 12.71% | +554 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |