Easley, SC · Cert 35179
FDIC · 3 branches
Q3 2017
Market Position · Greenville-Anderson-Mauldin, SC · 2017 SOD (annual) · 0.8% share · #18 of 35 inst. · $0.1B of $16.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.60% | 0.44%1 | 0.55% | 0.48% | 0.55% | 0.44% | 0.61% | -0.64% | -112 bps | |
| Return on Equity | 20.19% | 3.38% | 4.22% | 3.58% | 4.13% | 3.38% | 4.86% | -5.22% | -880 bps | |
| Net Interest Margin | 3.26% | 3.19% | 3.17% | 3.01% | 2.93% | 2.81% | 2.91% | 2.83% | -18 bps | |
| Efficiency Ratio | 86.42% | 89.98% | 77.00% | 79.25% | 91.16% | 80.48% | 73.41% | 130.41% | +5,116 bps | |
| Non-Interest Burden | 2.80% | 2.82% | 2.32% | 2.28% | 2.67% | 2.15% | 1.99% | 3.85% | +157 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.50% | 1.68% | 5.23% | 2.50% | 1.54% | 4.32% | 0.88% | 0.14% | -236 bps | |
| Loan Growth (YoY) | -2.33% | -4.95% | -0.59% | -4.71% | -5.34% | -9.67% | -16.30% | -15.70% | -1,100 bps | |
| Deposit Growth (YoY) | 2.35% | 3.02% | 6.48% | 2.92% | 3.29% | 4.77% | 2.10% | 1.23% | -169 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.00% | 0.06% | +6 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.00% | -0.02% | 0.00% | 0.00% | -0.14% | -14 bps | |
| Allowance / Loans | 1.60% | 1.63% | 1.55% | 1.68% | 1.42% | 1.52% | 1.56% | 1.71% | +3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 34.3x | n/a | 27.7x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.91% | 12.95% | 12.75% | 13.05% | 13.28% | 13.11% | 11.85% | 11.88% | -118 bps | |
| Total Risk-Based Capital | 20.68% | 21.29% | 21.11% | 22.53% | 22.83% | 24.40% | 23.02% | 24.08% | +155 bps | |
| Equity / Assets | 13.13% | 13.11% | 13.18% | 13.55% | 13.21% | 12.81% | 12.13% | 12.32% | -123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.74% | 59.67% | 61.49% | 58.04% | 57.49% | 51.45% | 50.41% | 48.33% | -971 bps | |
| Liquid Assets / Assets | 5.10% | 8.44% | 7.26% | 9.93% | 11.10% | 17.30% | 18.24% | 20.80% | +1,087 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |