Union, SC · Cert 28997
FDIC
Q1 2014
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13%1 | 0.16%1 | 0.07%1 | -0.29% | -0.86% | -1.04% | -0.75% | 0.20% | +49 bps | |
| Return on Equity | 1.90% | 2.32% | 0.95% | -4.16% | -12.99% | -16.90% | -12.90% | 4.16% | +832 bps | |
| Net Interest Margin | 2.10% | 2.18% | 2.25% | 1.97% | 2.07% | 2.22% | 2.32% | 2.56% | +59 bps | |
| Efficiency Ratio | 93.48% | 98.37% | 98.82% | 109.38% | 122.20% | 114.59% | 108.41% | 92.51% | -1,687 bps | |
| Non-Interest Burden | 1.91% | 2.13% | 2.22% | 2.22% | 2.61% | 2.62% | 2.58% | 2.31% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.23% | -7.96% | -7.18% | -5.40% | -7.21% | -6.15% | -7.74% | -7.82% | -242 bps | |
| Loan Growth (YoY) | -17.88% | -18.71% | -20.45% | -17.83% | -14.23% | -10.13% | -8.75% | -5.83% | +1,200 bps | |
| Deposit Growth (YoY) | -4.92% | -3.22% | -2.17% | -0.98% | -1.34% | -4.07% | -5.36% | -7.51% | -652 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 | 0.83% | 0.67% | 0.69% | 0.04% | 0.89% | 1.05% | 1.41% | 0.01% | -3 bps | |
| Allowance / Loans | 3.16% | 3.34% | 3.42% | 3.52% | 3.47% | 3.23% | 2.77% | 2.77% | -75 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 | 13.94% | 14.91% | 15.27% | 15.25% | 14.73% | 14.74% | 15.44% | 15.63% | +38 bps | |
| Equity / Assets | 6.84% | 7.26% | 7.17% | 6.91% | 5.69% | 4.86% | 4.28% | 5.36% | -156 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.52% | 47.93% | 46.03% | 43.49% | 44.79% | 44.90% | 44.38% | 44.27% | +79 bps | |
| Liquid Assets / Assets | 10.35% | 6.46% | 6.97% | 8.83% | 3.17% | 2.46% | 3.83% | 7.23% | -160 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |