Myrtle Beach, SC · Cert 34242
FDIC
Q1 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.81% | -2.78% | -4.62% | -4.46% | -11.68% | -887 bps | |
| Return on Equity | -36.35% | -37.83% | -68.00% | -70.47% | -417% | -38,057 bps | |
| Net Interest Margin | 2.16% | 2.08% | 2.23% | 2.41% | 1.75% | -41 bps | |
| Efficiency Ratio | 83.21% | 101.27% | 99.20% | 104.80% | 170.19% | +8,699 bps | |
| Non-Interest Burden | 1.57% | 2.13% | 2.20% | 2.58% | 3.20% | +163 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.33% | 4.49% | -2.32% | -8.47% | -17.79% | -3,212 bps | |
| Loan Growth (YoY) | 6.88% | -0.19% | -5.74% | -9.99% | -17.40% | -2,428 bps | |
| Deposit Growth (YoY) | 19.79% | 7.02% | 1.98% | -3.48% | -13.07% | -3,286 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 5.16% | 3.76% | 4.39% | 4.98% | 11.12% | +596 bps | |
| Allowance / Loans | 1.69% | 2.33% | 2.84% | 3.40% | 4.05% | +237 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 10.81% | 9.55% | 7.80% | 6.71% | 3.08% | -773 bps | |
| Equity / Assets | 7.08% | 6.62% | 4.98% | 4.21% | 1.37% | -572 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.08% | 96.90% | 95.53% | 97.40% | 91.30% | -478 bps | |
| Liquid Assets / Assets | 0.11% | 0.06% | 1.99% | 0.99% | 7.02% | +691 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |