Columbia, SC · Charter 2957
Q2 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.02% | -0.63% | 0.87% | -5.42% | -5.74% | -5.59% | -6.36% | -2.33% | +310 bps | |
| Return on Equity | -11.47% | -6.72% | 9.03% | -72.08% | -87.41% | -81.28% | -110.63% | -35.99% | +3,609 bps | |
| Net Interest Margin | 3.78% | 3.95% | 4.25% | 4.77% | 5.08% | 5.70% | 5.09% | 5.36% | +59 bps | |
| Efficiency Ratio | 70.80% | 73.52% | 62.54% | 59.93% | 61.36% | 57.38% | 106.60% | 85.18% | +2,525 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.49% | -2.49% | -7.01% | -10.21% | -16.44% | -24.34% | -29.07% | -26.05% | -1,584 bps | |
| Loan Growth (YoY) | -8.96% | -10.38% | -12.64% | -14.47% | -21.21% | -27.85% | -31.79% | -33.53% | -1,905 bps | |
| Share Growth (YoY) | 8.47% | -1.61% | -7.82% | -8.81% | -14.31% | -22.13% | -26.80% | -25.27% | -1,646 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.51% | 3.18% | 2.82% | 2.29% | 4.15% | 3.87% | 4.06% | 2.08% | -22 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.78% | 2.49% | 1.75% | 6.00% | 7.79% | 9.12% | 9.86% | 9.93% | +393 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.92% | 9.44% | 9.65% | 7.53% | 6.56% | 6.88% | 5.75% | 6.47% | -105 bps | |
| Net Worth / Assets | 8.92% | 9.44% | 9.65% | 7.53% | 6.56% | 6.88% | 5.75% | 6.47% | -105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.33% | 83.43% | 77.58% | 79.45% | 74.78% | 77.31% | 72.29% | 70.67% | -878 bps | |
| Liquid Assets / Assets | 25.84% | 24.18% | 28.73% | 27.92% | 31.72% | 30.25% | 35.99% | 0.00% | -2,792 bps | |