Sumter, SC · Cert 34183
FDIC
Q3 2006
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 1.17% | 1.18% | 0.24% | -2.16% | 0.58% | 0.56% | 0.58% | +33 bps | |
| Return on Equity | 0.20% | 14.77% | 14.65% | 3.09% | -27.80% | 8.01% | 7.57% | 7.63% | +454 bps | |
| Net Interest Margin | 3.74% | 4.07% | 4.10% | 3.91% | 3.92% | 3.59% | 3.55% | 3.66% | -25 bps | |
| Efficiency Ratio | 41.20% | 45.04% | 44.88% | 43.88% | 43.65% | 54.77% | 55.44% | 54.84% | +1,095 bps | |
| Non-Interest Burden | 1.10% | 1.40% | 1.39% | 1.26% | 1.27% | 1.55% | 1.58% | 1.62% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.31% | 9.36% | 7.57% | 6.02% | 3.86% | 1.93% | -1.45% | -6.40% | -1,241 bps | |
| Loan Growth (YoY) | 16.21% | 13.83% | 8.27% | -0.42% | 1.59% | -6.28% | -13.47% | -17.77% | -1,735 bps | |
| Deposit Growth (YoY) | 13.33% | 13.91% | 10.30% | 12.74% | 7.61% | 2.88% | 1.55% | -5.09% | -1,782 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 | 3.04% | 0.25% | 0.84% | 1.00% | 1.43% | 4.06% | 4.21% | 4.88% | +389 bps | |
| Allowance / Loans | 0.98% | 1.12% | 0.99% | 2.22% | 6.38% | 6.05% | 5.85% | 5.13% | +291 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 | 10.51% | 10.84% | 10.93% | 10.74% | 10.43% | 11.15% | 12.00% | 12.72% | +199 bps | |
| Equity / Assets | 7.78% | 8.09% | 8.20% | 7.60% | 7.14% | 7.44% | 7.66% | 8.01% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.23% | 107.21% | 105.39% | 101.07% | 100.28% | 97.67% | 89.81% | 87.56% | -1,351 bps | |
| Liquid Assets / Assets | 0.12% | 0.05% | 0.05% | 0.41% | 0.30% | 0.22% | 0.58% | 0.56% | +14 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |