Spartanburg, SC · Cert 35383
FDIC
Q2 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -9.46% | -6.15% | -4.84% | -3.15% | -1.93% | +753 bps | |
| Return on Equity | -157.51% | -145.50% | -157.79% | -140.33% | -100.34% | +5,717 bps | |
| Net Interest Margin | 1.55% | 1.24% | 1.76% | 1.56% | 1.95% | +39 bps | |
| Efficiency Ratio | 148.79% | 211% | 141.35% | 146.58% | 133.27% | -1,552 bps | |
| Non-Interest Burden | 2.54% | 2.97% | 2.61% | 2.46% | 2.72% | +19 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.99% | -8.13% | -11.61% | -18.06% | -25.88% | -2,290 bps | |
| Loan Growth (YoY) | -12.80% | -19.87% | -24.27% | -26.08% | -24.39% | -1,159 bps | |
| Deposit Growth (YoY) | 8.22% | 5.49% | -1.15% | -12.90% | -24.00% | -3,221 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 10.80% | 5.81% | 6.94% | 4.57% | 4.44% | -636 bps | |
| Allowance / Loans | 3.76% | 4.26% | 4.73% | 4.60% | 4.24% | +48 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 7.53% | 6.07% | 4.72% | 4.06% | 3.54% | -399 bps | |
| Equity / Assets | 4.78% | 3.63% | 2.45% | 2.03% | 1.82% | -297 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.38% | 84.07% | 83.53% | 83.13% | 85.93% | -45 bps | |
| Liquid Assets / Assets | 10.64% | 14.32% | 9.26% | 13.52% | 11.31% | +67 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |