Rock Hill Bank & Trust

Rock Hill, SC · Cert 34177

FDIC

Q3 2002

$202.9MAssets

$191.6MLoans

$184.9MDeposits

$-12670KEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of -33.38%, down 3,595 bps year over year; NIM at 3.46%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 11.62%.
Funding: loans stand at 103.63% of deposits as of Q3 2002.

Return on Assets (quarter, annualized)

-33.38%-3,595 bps YoY

Net Interest Margin (quarter, annualized)

3.46%+23 bps YoY

Efficiency Ratio (quarter, annualized)

77.00%+15,460 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q3 2001	Q4 2001	Q1 2002	Q2 2002	Q3 2002	YoY Δ	Trend
Earnings
Return on Assets	2.57%	5.43%	0.97%	-21.32%	-33.38%	-3,595 bps
Return on Equity	36.49%	69.83%	11.98%	-409%	2403%	+236,618 bps
Net Interest Margin	3.23%	3.24%	3.49%	2.73%	3.46%	+23 bps
Efficiency Ratio	-77.60%	-196.00%	54.71%	76.62%	77.00%	+15,460 bps
Non-Interest Burden	-2.96%	-7.18%	1.79%	2.02%	2.59%	+555 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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.00%	3.89%	0.00%	25.68%	11.62%	+1,162 bps
Allowance / Loans	1.64%	1.03%	1.04%	4.34%	9.92%	+828 bps
Allowance Coverage of NPLs	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
Total Risk-Based Capital	10.16%	10.86%	10.66%	2.87%	-7.21%	-1,737 bps
Equity / Assets	7.28%	8.24%	7.90%	2.54%	-6.24%	-1,353 bps
Liquidity & Funding
Loans / Deposits	100.87%	102.42%	101.11%	95.38%	103.63%	+276 bps
Liquid Assets / Assets	0.08%	1.13%	0.14%	0.59%	0.01%	-7 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a