Aiken, SC · Cert 34529
FDIC
Q1 2005
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 1.03% | 1.05% | 1.12% | 1.17% | 1.18% | 1.08% | 1.13% | +1 bps | |
| Return on Equity | 12.59% | 12.73% | 12.87% | 13.70% | 14.63% | 14.76% | 13.44% | 14.14% | +43 bps | |
| Net Interest Margin | 3.28% | 3.32% | 3.42% | 3.90% | 3.74% | 3.81% | 3.72% | 3.84% | -5 bps | |
| Efficiency Ratio | 65.12% | 64.17% | 63.80% | 58.32% | 57.43% | 57.80% | 62.36% | 57.79% | -53 bps | |
| Non-Interest Burden | 1.81% | 1.78% | 1.85% | 1.95% | 1.85% | 1.93% | 2.09% | 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 | 0.00% | 0.01% | 0.02% | -0.16% | 0.08% | 0.04% | 0.04% | 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 |