Beaufort, SC · Cert 35309
FDIC · 7 branches
Q1 2018
Market Position · Jacksonville, FL · 2017 SOD (annual) · 0.4% share · #16 of 36 inst. · $0.2B of $58.9B
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.24% | 1.41% | 1.44% | 1.20% | 1.40% | 1.34% | 1.38% | 1.99% | +79 bps | |
| Return on Equity | 11.79% | 13.37% | 13.36% | 10.07% | 12.07% | 11.79% | 11.93% | 15.33% | +525 bps | |
| Net Interest Margin | 3.28% | 3.36% | 3.53% | 3.90% | 3.89% | 3.69% | 3.69% | 4.10% | +20 bps | |
| Efficiency Ratio | 86.99% | 86.06% | 85.06% | 69.73% | 67.08% | 68.29% | 67.56% | 65.89% | -384 bps | |
| Non-Interest Burden | 1.48% | 1.23% | 1.09% | 1.64% | 1.34% | 1.39% | 1.33% | 1.33% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.22% | 39.72% | 20.84% | 18.54% | 3.28% | 6.17% | 7.77% | -3.63% | -2,217 bps | |
| Loan Growth (YoY) | 11.81% | 39.74% | 20.92% | 18.06% | 1.65% | 1.83% | 6.28% | -5.23% | -2,329 bps | |
| Deposit Growth (YoY) | 27.84% | 44.74% | 47.11% | 35.14% | 4.98% | 1.74% | 2.57% | -0.56% | -3,570 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.70% | 0.78% | 0.71% | 0.66% | 0.74% | +4 bps | |
| Net Charge-Offs / Loans | 0.31% | 0.19% | 0.14% | 0.54% | 0.31% | 0.26% | 0.21% | -0.06% | -59 bps | |
| Allowance / Loans | 0.88% | 0.91% | 1.20% | 1.13% | 0.99% | 0.98% | 1.03% | 1.18% | +6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 1.6x | 1.3x | 1.4x | 1.6x | 1.6x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.64% | 10.70% | 11.34% | 12.15% | 12.25% | 11.81% | 12.05% | 13.43% | +128 bps | |
| Total Risk-Based Capital | 19.96% | 20.92% | 22.13% | 23.10% | 21.46% | 22.76% | 25.29% | 29.51% | +641 bps | |
| Equity / Assets | 10.24% | 10.60% | 11.82% | 12.01% | 10.93% | 10.97% | 12.12% | 13.90% | +190 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 132.49% | 129.11% | 119.80% | 115.36% | 128.29% | 129.22% | 124.13% | 109.95% | -542 bps | |
| Liquid Assets / Assets | 0.40% | 1.05% | 0.41% | 0.53% | 0.57% | 0.81% | 0.39% | 0.45% | -9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |