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Bank of Anderson, National Association

Anderson, SC · Cert 34830

FDIC

Q1 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2012, the quarter ended March 31, 2012, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Anderson, National Association

Anderson, SC · Cert 34830

FDIC

Q1 2012

$138.7MAssets
$62.2MLoans
$122.5MDeposits
$15.1MEquity
Loan mix
91%RE $50.6M7%C&I $4.0M2%Consumer $1.2MQ1 2011Q1 2012
Deposit mix
87%Interest-bearing $106.7M13%Noninterest $15.8MQ1 2011Q1 2012

NIM

5.07%Q1 ’104.51%Q1 ’114.25%Q1 ’12-4%+3%

Non-interest income vs. expense

2.89%Q1 ’102.66%Q1 ’112.76%Q1 ’12-8%-3%

Executive Summary

  • Earnings: ROA of 1.29%, up 61 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.23%.
  • Funding: loans stand at 50.80% of deposits as of Q1 2012.

Financial Results

Return on Assets (YTD, annualized)

1.29%+61 bps YoY

Net Interest Margin (YTD, annualized)

3.52%+10 bps YoY

Efficiency Ratio (YTD, annualized)

66.28%-201 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets0.69%0.70%0.63%0.63%1.29%+61 bps
Return on Equity7.67%7.69%6.65%6.52%12.24%+456 bps
Net Interest Margin3.42%3.50%3.56%3.59%3.52%+10 bps
Efficiency Ratio68.29%72.26%73.18%72.47%66.28%-201 bps
Non-Interest Burden2.18%2.39%2.48%2.47%2.12%-6 bps
Growth
Asset Growth (YoY)10.50%5.24%-0.91%0.44%-5.88%-1,638 bps
Loan Growth (YoY)-10.63%-13.89%-13.51%-11.24%-12.40%-176 bps
Deposit Growth (YoY)12.01%5.86%-1.96%-0.59%-7.68%-1,968 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.79%1.08%1.24%1.34%1.23%+44 bps
Allowance / Loans2.20%2.02%2.05%2.01%2.04%-17 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital15.74%16.43%16.41%16.70%17.83%+209 bps
Equity / Assets8.98%9.59%10.35%10.25%10.90%+193 bps
Liquidity & Funding
Loans / Deposits53.53%52.32%51.31%50.23%50.80%-273 bps
Liquid Assets / Assets1.73%1.75%1.55%1.55%0.98%-76 bps
CRE / Total Capitaln/an/an/an/an/an/an/a