Mount Pleasant, SC · Cert 34774
FDIC · 11 branches
Q1 2016
Market Position · Charleston-North Charleston, SC · 2015 SOD (annual) · 3.2% share · #8 of 33 inst. · $0.4B of $11.4B
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.77% | 1.28% | 1.14% | 1.01% | 1.53% | -24 bps | |
| Return on Equity | 17.02% | 12.35% | 10.83% | 9.55% | 13.58% | -344 bps | |
| Net Interest Margin | 3.53% | 3.35% | 3.36% | 3.38% | 3.34% | -19 bps | |
| Efficiency Ratio | 55.98% | 61.04% | 62.88% | 66.33% | 64.18% | +821 bps | |
| Non-Interest Burden | 1.48% | 1.72% | 1.85% | 2.01% | 1.96% | +48 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.66% | 8.73% | 3.49% | 5.59% | -2.63% | -1,129 bps | |
| Loan Growth (YoY) | 8.35% | 9.69% | 9.30% | 7.38% | 3.93% | -442 bps | |
| Deposit Growth (YoY) | 7.55% | 8.58% | 8.58% | 2.17% | -4.80% | -1,235 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.19% | -0.15% | -0.02% | -0.03% | -0.13% | +6 bps | |
| Allowance / Loans | 1.33% | 1.30% | 1.23% | 1.23% | 1.16% | -17 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.09% | 11.02% | 11.15% | 11.36% | 11.85% | +76 bps | |
| Total Risk-Based Capital | 16.07% | 16.13% | 16.51% | 16.75% | 17.50% | +143 bps | |
| Equity / Assets | 10.49% | 10.35% | 11.15% | 10.79% | 11.75% | +126 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 102.26% | 104.74% | 109.26% | 113.78% | 111.63% | +937 bps | |
| Liquid Assets / Assets | 6.64% | 7.48% | 2.79% | 7.02% | 3.13% | -351 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |