Charleston, SC · Cert 34335
FDIC
Q2 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18%1 | 0.38% | 0.77% | 0.55% | 0.50% | -0.14% | 0.98% | 0.80% | +25 bps | |
| Return on Equity | 3.08% | 6.40% | 11.05% | 7.95% | 7.05% | -1.91% | 12.55% | 9.92% | +197 bps | |
| Net Interest Margin | 2.73% | 2.84% | 3.05% | 3.07% | 3.08% | 3.08% | 3.30% | 3.31% | +24 bps | |
| Efficiency Ratio | 72.42% | 69.77% | 60.39% | 64.81% | 63.04% | 68.23% | 69.46% | 69.28% | +447 bps | |
| Non-Interest Burden | 1.72% | 1.38% | 0.42% | 0.84% | 0.47% | 0.66% | 1.08% | 1.09% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.14% | 3.27% | 1.03% | 7.50% | -1.12% | -5.61% | -9.56% | -16.49% | -2,399 bps | |
| Loan Growth (YoY) | 2.57% | 6.19% | 3.41% | 9.58% | 2.55% | 3.93% | -6.07% | -12.85% | -2,242 bps | |
| Deposit Growth (YoY) | 19.19% | 4.84% | -0.39% | 6.40% | 0.39% | -0.16% | -0.90% | -9.34% | -1,574 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 | 1.32% | 1.17% | 1.29% | 1.51% | 2.48% | 2.05% | 1.13% | 1.50% | -1 bps | |
| Allowance / Loans | 1.38% | 1.58% | 1.70% | 1.62% | 1.57% | 1.92% | 2.02% | 1.85% | +23 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 | 12.47% | 12.74% | 13.06% | 13.16% | 13.58% | 13.01% | 14.01% | 14.45% | +129 bps | |
| Equity / Assets | 6.57% | 6.69% | 7.28% | 6.86% | 7.31% | 7.36% | 8.29% | 8.69% | +182 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.78% | 100.50% | 97.76% | 101.01% | 96.83% | 104.62% | 92.65% | 97.11% | -390 bps | |
| Liquid Assets / Assets | 16.54% | 15.11% | 14.98% | 12.99% | 14.19% | 1.55% | 4.38% | 2.04% | -1,095 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |