Anderson, SC · Cert 34830
FDIC
Q1 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | -0.18% | 0.39% | 0.69% | 0.72% | 0.48% | 0.62% | 1.29% | +61 bps | |
| Return on Equity | 4.84% | -1.83% | 4.28% | 7.67% | 7.75% | 4.78% | 6.03% | 12.24% | +456 bps | |
| Net Interest Margin | 3.53% | 3.34% | 3.45% | 3.42% | 3.59% | 3.64% | 3.55% | 3.52% | +10 bps | |
| Efficiency Ratio | 70.50% | 72.20% | 79.15% | 68.29% | 75.99% | 75.03% | 70.30% | 66.28% | -201 bps | |
| Non-Interest Burden | 2.37% | 2.26% | 2.63% | 2.18% | 2.60% | 2.65% | 2.36% | 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 | 0.44% | 2.95% | 1.67% | 0.79% | 1.34% | 1.49% | 1.57% | 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 |