Greenville, SC · Cert 33003
FDIC
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Greenville, SC · Cert 33003
FDIC
Q2 2005
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.12% | 1.07% | 1.19% | 1.24% | 1.29% | 1.34% | -0.75% | -194 bps | |
| Return on Equity | 14.00% | 13.66% | 12.89% | 14.19% | 14.38% | 14.56% | 13.90% | -8.10% | -2,228 bps | |
| Net Interest Margin | 3.22% | 3.13% | 3.38% | 3.32% | 3.47% | 3.56% | 3.80% | 3.78% | +46 bps | |
| Efficiency Ratio | 59.25% | 58.53% | 56.97% | 55.65% | 54.68% | 53.11% | 52.03% | 126.16% | +7,051 bps | |
| Non-Interest Burden | 1.60% | 1.55% | 1.66% | 1.58% | 1.63% | 1.61% | 1.76% | 4.88% | +330 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.29% | 14.26% | 5.30% | 3.57% | -0.70% | -6.80% | -1.94% | 5.95% | +238 bps | |
| Loan Growth (YoY) | 6.33% | 5.88% | 9.49% | 2.97% | 2.33% | 4.54% | 3.22% | 12.95% | +997 bps | |
| Deposit Growth (YoY) | 6.13% | 12.20% | 0.61% | 2.21% | -4.07% | -9.24% | -0.24% | 10.04% | +783 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 | 0.09% | 0.16% | -0.24% | -0.10% | -0.06% | -0.04% | -0.02% | 0.03% | +13 bps | |
| Allowance / Loans | 1.49% | 1.40% | 1.47% | 1.48% | 1.46% | 1.43% | 1.43% | 1.41% | -7 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 | 12.43% | 12.05% | 12.33% | 13.00% | 13.42% | 13.05% | 13.03% | 11.79% | -121 bps | |
| Equity / Assets | 8.26% | 8.03% | 8.62% | 8.52% | 9.51% | 9.77% | 9.58% | 8.46% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.14% | 88.53% | 94.62% | 90.13% | 94.03% | 101.97% | 97.90% | 92.51% | +238 bps | |
| Liquid Assets / Assets | 0.89% | 0.10% | 1.01% | 1.46% | 1.13% | 0.05% | 0.77% | 1.21% | -25 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |