Aiken, SC · Cert 34529
FDIC
Q1 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.05% | 1.11% | 1.12% | 1.19% | 1.21% | 0.79% | 1.13% | +1 bps | |
| Return on Equity | 13.66% | 12.94% | 13.33% | 13.70% | 15.35% | 15.44% | 9.70% | 14.14% | +43 bps | |
| Net Interest Margin | 3.38% | 3.39% | 3.81% | 3.90% | 3.88% | 4.09% | 3.96% | 3.84% | -5 bps | |
| Efficiency Ratio | 61.76% | 62.36% | 62.76% | 58.32% | 56.58% | 58.50% | 75.24% | 57.79% | -53 bps | |
| Non-Interest Burden | 1.74% | 1.72% | 2.11% | 1.95% | 1.89% | 2.15% | 2.84% | 1.98% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.57% | 6.56% | 7.43% | 15.61% | 11.30% | 15.61% | 18.11% | 9.89% | -572 bps | |
| Loan Growth (YoY) | 12.03% | 2.59% | 8.97% | 14.49% | 14.28% | 28.09% | 17.16% | 14.66% | +18 bps | |
| Deposit Growth (YoY) | 16.54% | 7.07% | 7.59% | 15.61% | 11.96% | 10.48% | 15.41% | 7.21% | -840 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 | -0.01% | 0.03% | 0.05% | -0.16% | 0.32% | -0.01% | 0.03% | 0.00% | +16 bps | |
| Allowance / Loans | 1.42% | 1.48% | 1.42% | 1.45% | 1.43% | 1.35% | 1.40% | 1.39% | -6 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 | 12.84% | 13.18% | 12.91% | 12.23% | 11.70% | 11.92% | 12.53% | 12.06% | -17 bps | |
| Equity / Assets | 8.06% | 8.21% | 8.45% | 7.90% | 7.61% | 8.12% | 8.13% | 7.87% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.30% | 65.76% | 71.04% | 67.13% | 68.69% | 76.24% | 72.12% | 71.80% | +467 bps | |
| Liquid Assets / Assets | 4.56% | 4.55% | 4.25% | 3.68% | 3.50% | 3.38% | 3.02% | 2.67% | -101 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |