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Sunbank, National Association

Murrells Inlet, SC · Cert 35464

FDIC

Q4 2005

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2005, the quarter ended December 31, 2005, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Sunbank, National Association

Murrells Inlet, SC · Cert 35464

FDIC

Q4 2005

$115.0MAssets
$77.3MLoans
$85.1MDeposits
$29.2MEquity
Loan mix
55%RE $15.0M45%C&I $12.4M0%Consumer $0.0MQ4 2004Q4 2005
Deposit mix
90%Interest-bearing $76.6M10%Noninterest $8.5MQ4 2004Q4 2005

NIM

4.42%Q4 ’034.83%Q4 ’040.71%Q4 ’05+11%-86%

Non-interest income vs. expense

4.11%Q4 ’033.08%Q4 ’040.38%Q4 ’05-28%-88%

Executive Summary

  • Earnings: ROA of 0.10%, down 11 bps year over year; NIM at 0.49%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 90.89% of deposits as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

0.10%-11 bps YoY

Net Interest Margin (YTD, annualized)

0.49%-292 bps YoY

Efficiency Ratio (YTD, annualized)

65.51%-1,219 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets0.21%0.55%0.65%0.77%0.10%-11 bps
Return on Equity1.99%5.42%6.66%8.08%0.75%-124 bps
Net Interest Margin3.41%3.91%4.11%4.15%0.49%-292 bps
Efficiency Ratio77.69%73.54%69.22%66.56%65.51%-1,219 bps
Non-Interest Burden2.52%2.74%2.68%2.57%0.31%-221 bps
Growth
Asset Growth (YoY)42.04%32.31%28.61%21.24%35.88%-616 bps
Loan Growth (YoY)59.59%35.61%24.69%16.81%2.67%-5,692 bps
Deposit Growth (YoY)31.10%34.08%31.02%22.65%20.92%-1,018 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%0.76%0.36%0.24%0.01%+2 bps
Allowance / Loans1.29%1.22%1.24%1.37%1.55%+25 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital12.39%12.57%11.68%11.08%15.96%+357 bps
Equity / Assets10.48%9.72%9.16%9.04%25.37%+1,489 bps
Liquidity & Funding
Loans / Deposits107.05%89.26%90.30%86.69%90.89%-1,616 bps
Liquid Assets / Assets0.12%0.06%0.05%0.05%0.24%+12 bps
CRE / Total Capitaln/an/an/an/an/an/an/a