Fountain Inn, SC · Cert 34812
FDIC · 8 branches
Q4 2022
Market Position · Greenville-Anderson, SC · 2022 SOD (annual) · 3.4% share · #10 of 36 inst. · $0.8B of $25.2B
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 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.51% | 1.45% | 1.38% | 1.43% | 1.49% | -3 bps | |
| Return on Equity | 15.07% | 14.28% | 13.63% | 14.18% | 14.45% | -62 bps | |
| Net Interest Margin | 4.27% | 4.44% | 4.36% | 4.47% | 4.73% | +46 bps | |
| Efficiency Ratio | 55.23% | 56.48% | 59.40% | 57.21% | 56.75% | +152 bps | |
| Non-Interest Burden | 2.19% | 2.42% | 2.51% | 2.47% | 2.59% | +40 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.48% | 10.28% | 7.78% | 4.26% | -0.61% | -1,109 bps | |
| Loan Growth (YoY) | 6.25% | 5.25% | 4.82% | 6.19% | 9.28% | +302 bps | |
| Deposit Growth (YoY) | 11.23% | 11.45% | 9.02% | 5.28% | -1.19% | -1,242 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.21% | 0.09% | 0.04% | 0.07% | 0.11% | -10 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.04% | 0.01% | 0.08% | 0.11% | +10 bps | |
| Allowance / Loans | 1.47% | 1.49% | 1.48% | 1.47% | 1.45% | -2 bps | |
| Allowance Coverage of NPLs | 6.9x | 15.7x | 38.4x | 20.1x | 13.1x | +6.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.21% | 10.52% | 10.53% | 10.79% | 11.54% | +133 bps | |
| Total Risk-Based Capital | 13.50% | 13.84% | 14.00% | 13.87% | 14.03% | +53 bps | |
| Equity / Assets | 10.41% | 9.96% | 9.99% | 10.08% | 11.05% | +64 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.51% | 83.88% | 85.25% | 89.14% | 96.78% | +927 bps | |
| Liquid Assets / Assets | 10.23% | 12.49% | 11.56% | 8.93% | 2.16% | -806 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |