Greenville, SC · Cert 33003
FDIC
Q2 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 1.04% | 1.07% | 1.31% | 1.35% | 1.45% | 1.34% | -2.74% | -405 bps | |
| Return on Equity | 13.36% | 12.74% | 12.89% | 15.27% | 14.99% | 15.00% | 13.90% | -30.47% | -4,574 bps | |
| Net Interest Margin | 3.27% | 3.31% | 3.38% | 3.23% | 3.50% | 3.82% | 3.80% | 3.93% | +71 bps | |
| Efficiency Ratio | 60.03% | 56.41% | 56.97% | 54.25% | 52.71% | 48.76% | 52.03% | 193.96% | +13,971 bps | |
| Non-Interest Burden | 1.63% | 1.61% | 1.66% | 1.48% | 1.59% | 1.57% | 1.76% | 8.08% | +660 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 | 0.26% | 0.39% | -0.24% | 0.06% | 0.03% | 0.01% | -0.02% | 0.08% | +2 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 |