Anderson, SC · Cert 34830
FDIC
Q1 2012
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Anderson, SC · Cert 34830
FDIC
Q1 2012
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 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.30% | 0.33% | 0.69% | 0.70% | 0.63% | 0.63% | 1.29% | +61 bps | |
| Return on Equity | 5.54% | 3.06% | 3.38% | 7.67% | 7.69% | 6.65% | 6.52% | 12.24% | +456 bps | |
| Net Interest Margin | 3.50% | 3.32% | 3.29% | 3.42% | 3.50% | 3.56% | 3.59% | 3.52% | +10 bps | |
| Efficiency Ratio | 70.70% | 71.21% | 73.28% | 68.29% | 72.26% | 73.18% | 72.47% | 66.28% | -201 bps | |
| Non-Interest Burden | 2.34% | 2.23% | 2.29% | 2.18% | 2.39% | 2.48% | 2.47% | 2.12% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.91% | 8.16% | 9.53% | 10.50% | 5.24% | -0.91% | 0.44% | -5.88% | -1,638 bps | |
| Loan Growth (YoY) | -3.60% | -5.77% | -6.53% | -10.63% | -13.89% | -13.51% | -11.24% | -12.40% | -176 bps | |
| Deposit Growth (YoY) | 6.90% | 18.46% | 12.10% | 12.01% | 5.86% | -1.96% | -0.59% | -7.68% | -1,968 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 | 0.50% | 1.33% | 1.46% | 0.79% | 1.08% | 1.24% | 1.34% | 1.23% | +44 bps | |
| Allowance / Loans | 2.01% | 2.10% | 2.13% | 2.20% | 2.02% | 2.05% | 2.01% | 2.04% | -17 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 | 15.27% | 15.36% | 15.53% | 15.74% | 16.43% | 16.41% | 16.70% | 17.83% | +209 bps | |
| Equity / Assets | 9.90% | 9.37% | 8.95% | 8.98% | 9.59% | 10.35% | 10.25% | 10.90% | +193 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.32% | 58.17% | 56.26% | 53.53% | 52.32% | 51.31% | 50.23% | 50.80% | -273 bps | |
| Liquid Assets / Assets | 1.94% | 1.84% | 1.87% | 1.73% | 1.75% | 1.55% | 1.55% | 0.98% | -76 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |