Rock Hill, SC · Cert 34204
FDIC
Q3 2008
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 1.08% | 1.07% | 1.12% | 1.11% | 1.30% | 1.28% | 1.27% | +16 bps | |
| Return on Equity | 14.00% | 14.79% | 14.80% | 15.40% | 15.29% | 17.38% | 17.14% | 16.92% | +153 bps | |
| Net Interest Margin | 3.92% | 3.98% | 3.98% | 3.94% | 3.96% | 3.87% | 3.81% | 3.80% | -14 bps | |
| Efficiency Ratio | 63.86% | 69.35% | 66.49% | 64.48% | 64.17% | 58.47% | 55.02% | 54.35% | -1,013 bps | |
| Non-Interest Burden | 2.11% | 2.41% | 2.27% | 2.12% | 2.14% | 1.73% | 1.60% | 1.60% | -52 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 | 0.08% | -0.01% | 0.04% | 0.05% | 0.06% | 0.02% | 0.03% | 0.10% | +6 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 |