PackageTrendsPeer
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National Bank of York County

Rock Hill, SC · Cert 34204

FDIC

Q3 2008

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2008, the quarter ended September 30, 2008, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

National Bank of York County

Rock Hill, SC · Cert 34204

FDIC

Q3 2008

$301.8MAssets
$253.5MLoans
$246.0MDeposits
$23.3MEquity
Loan mix
88%RE $181.5M11%C&I $23.5M0%Consumer $0.5MQ3 2007Q3 2008
Deposit mix
82%Interest-bearing $201.0M18%Noninterest $44.9MQ3 2007Q3 2008

NIM

6.25%Q3 ’066.66%Q3 ’075.88%Q3 ’08-2%-4%

Non-interest income vs. expense

3.30%Q3 ’063.30%Q3 ’072.61%Q3 ’08-4%-24%

Executive Summary

  • Earnings: ROA of 1.27%, up 16 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Funding: loans stand at 103.05% of deposits as of Q3 2008.

Financial Results

Return on Assets (YTD, annualized)

1.27%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.80%-14 bps YoY

Efficiency Ratio (YTD, annualized)

54.35%-1,013 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2007Q4 2007Q1 2008Q2 2008Q3 2008YoY ΔTrend
Earnings
Return on Assets1.12%1.11%1.30%1.28%1.27%+16 bps
Return on Equity15.40%15.29%17.38%17.14%16.92%+153 bps
Net Interest Margin3.94%3.96%3.87%3.81%3.80%-14 bps
Efficiency Ratio64.48%64.17%58.47%55.02%54.35%-1,013 bps
Non-Interest Burden2.12%2.14%1.73%1.60%1.60%-52 bps
Growth
Asset Growth (YoY)13.19%12.15%10.65%9.01%7.36%-583 bps
Loan Growth (YoY)14.03%14.14%14.40%8.24%12.03%-200 bps
Deposit Growth (YoY)11.73%2.48%9.80%2.89%8.85%-288 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.05%0.06%0.02%0.03%0.10%+6 bps
Allowance / Loans1.26%1.25%1.25%1.26%1.25%-1 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 Capital10.83%10.71%10.85%10.96%11.13%+30 bps
Equity / Assets7.31%7.40%7.55%7.45%7.71%+40 bps
Liquidity & Funding
Loans / Deposits100.12%109.87%104.59%106.97%103.05%+293 bps
Liquid Assets / Assets0.89%1.15%1.60%1.34%1.34%+45 bps
CRE / Total Capitaln/an/an/an/an/an/an/a