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Rock Hill Bank & Trust

Rock Hill, SC · Cert 34177

FDIC

Q3 2002

$202.9MAssets
$191.6MLoans
$184.9MDeposits
$-12670KEquity
Loan mix
20%RE $28.9M80%C&I $114.9M0%Consumer $0.1MQ3 2001Q3 2002
Deposit mix
95%Interest-bearing $175.6M5%Noninterest $9.4MQ3 2001Q3 2002

NIM

8.63%Q1 ’017.93%Q3 ’016.64%Q3 ’02-8%-1%

Non-interest income vs. expense

2.65%Q1 ’015.63%Q3 ’012.46%Q3 ’02+131%-59%

Executive Summary

  • Earnings: ROA of -18.06%, down 1,626 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 12.93%.
  • Funding: loans stand at 103.63% of deposits as of Q3 2002.

Financial Results

Return on Assets (YTD, annualized)

-18.06%-1,626 bps YoY

Net Interest Margin (YTD, annualized)

3.28%-2 bps YoY

Efficiency Ratio (YTD, annualized)

69.08%-8,752 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets-1.80%0.10%0.97%-10.43%-18.06%-1,626 bps
Return on Equityn/an/a11.98%-169.01%-519%n/a
Net Interest Margin3.30%3.20%3.49%3.01%3.28%-2 bps
Efficiency Ratio156.60%67.52%54.71%64.76%69.08%-8,752 bps
Non-Interest Burden5.33%2.07%1.79%1.86%2.18%-316 bps
Growth
Asset Growth (YoY)17.41%16.61%15.36%16.14%-8.23%-2,564 bps
Loan Growth (YoY)17.21%22.57%20.64%17.00%9.86%-736 bps
Deposit Growth (YoY)15.96%14.25%21.23%30.78%6.93%-903 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.99%0.00%12.84%12.93%+1,291 bps
Allowance / Loans1.64%1.03%1.04%4.34%9.92%+828 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.16%10.86%10.66%2.87%-7.21%-1,737 bps
Equity / Assets7.28%8.24%7.90%2.54%-6.24%-1,353 bps
Liquidity & Funding
Loans / Deposits100.87%102.42%101.11%95.38%103.63%+276 bps
Liquid Assets / Assets0.08%1.13%0.14%0.59%0.01%-7 bps
CRE / Total Capitaln/an/an/an/an/an/an/a