Spartanburg, SC · Cert 34222
FDIC · 4 branches
Q1 2019
Market Position · Spartanburg, SC · 2018 SOD (annual) · 2.7% share · #13 of 19 inst. · $0.1B of $5.4B
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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.82% | 2.46% | 1.92% | 1.89% | 0.73% | -9 bps | |
| Return on Equity | 9.02% | 25.98% | 19.91% | 19.14% | 6.67% | -235 bps | |
| Net Interest Margin | 3.30% | 3.40% | 3.42% | 3.59% | 3.39% | +9 bps | |
| Efficiency Ratio | 80.45% | 78.82% | 76.54% | 71.99% | 80.43% | -3 bps | |
| Non-Interest Burden | 2.59% | 2.57% | 2.52% | 2.48% | 2.64% | +5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.13% | -4.30% | -0.38% | 0.19% | 2.86% | +499 bps | |
| Loan Growth (YoY) | -1.53% | 9.07% | 8.60% | 10.65% | 12.30% | +1,382 bps | |
| Deposit Growth (YoY) | -8.59% | -6.42% | 0.04% | 5.47% | 8.77% | +1,736 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.38% | 2.22% | 1.70% | 1.80% | 2.22% | -16 bps | |
| Net Charge-Offs / Loans | -0.09% | -0.12% | -0.10% | -0.09% | -0.04% | +5 bps | |
| Allowance / Loans | 1.35% | 1.31% | 1.33% | 1.27% | 1.26% | -9 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.8x | 0.7x | 0.6x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.52% | 9.97% | 10.04% | 10.22% | 10.51% | +99 bps | |
| Total Risk-Based Capital | 13.25% | 12.94% | 13.32% | 13.48% | 13.73% | +48 bps | |
| Equity / Assets | 9.26% | 10.24% | 10.20% | 10.71% | 11.17% | +191 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.27% | 91.84% | 86.52% | 85.78% | 88.03% | +276 bps | |
| Liquid Assets / Assets | 6.33% | 1.17% | 4.45% | 2.73% | 0.35% | -599 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |