Rock Hill, SC · Cert 34204
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.08% | 1.06% | 1.20% | 1.10% | 1.30% | 1.26% | 1.25% | +6 bps | |
| Return on Equity | 14.38% | 14.79% | 14.79% | 16.61% | 15.00% | 17.38% | 16.84% | 16.55% | -6 bps | |
| Net Interest Margin | 4.14% | 3.98% | 4.15% | 4.15% | 4.15% | 3.87% | 3.82% | 3.94% | -21 bps | |
| Efficiency Ratio | 62.19% | 69.35% | 63.84% | 60.91% | 63.28% | 58.47% | 51.34% | 53.01% | -790 bps | |
| Non-Interest Burden | 2.09% | 2.41% | 2.23% | 2.00% | 2.25% | 1.73% | 1.51% | 1.67% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.07% | 13.25% | 13.70% | 13.19% | 12.15% | 10.65% | 9.01% | 7.36% | -583 bps | |
| Loan Growth (YoY) | 19.07% | 12.34% | 18.03% | 14.03% | 14.14% | 14.40% | 8.24% | 12.03% | -200 bps | |
| Deposit Growth (YoY) | 21.07% | 8.45% | 12.17% | 11.73% | 2.48% | 9.80% | 2.89% | 8.85% | -288 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 | 0.16% | -0.01% | 0.09% | 0.06% | 0.11% | 0.02% | 0.04% | 0.24% | +19 bps | |
| Allowance / Loans | 1.25% | 1.25% | 1.19% | 1.26% | 1.25% | 1.25% | 1.26% | 1.25% | -1 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 | 11.12% | 10.99% | 10.56% | 10.83% | 10.71% | 10.85% | 10.96% | 11.13% | +30 bps | |
| Equity / Assets | 7.32% | 7.28% | 7.11% | 7.31% | 7.40% | 7.55% | 7.45% | 7.71% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.65% | 100.38% | 101.68% | 100.12% | 109.87% | 104.59% | 106.97% | 103.05% | +293 bps | |
| Liquid Assets / Assets | 0.81% | 0.78% | 0.76% | 0.89% | 1.15% | 1.60% | 1.34% | 1.34% | +45 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |