Murrells Inlet, SC · Cert 35464
FDIC
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | 0.55% | 0.74% | 0.99% | -1.66% | -216 bps | |
| Return on Equity | 4.90% | 5.42% | 7.90% | 10.85% | -9.41% | -1,431 bps | |
| Net Interest Margin | 4.23% | 3.91% | 4.50% | 4.69% | -9.45% | -1,368 bps | |
| Efficiency Ratio | 68.72% | 73.54% | 65.69% | 62.23% | 67.83% | -89 bps | |
| Non-Interest Burden | 2.72% | 2.74% | 2.74% | 2.65% | -5.82% | -853 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.76% | 0.02% | 0.00% | -0.71% | -72 bps | |
| Allowance / Loans | 1.29% | 1.22% | 1.24% | 1.37% | 1.55% | +25 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 | 12.39% | 12.57% | 11.68% | 11.08% | 15.96% | +357 bps | |
| Equity / Assets | 10.48% | 9.72% | 9.16% | 9.04% | 25.37% | +1,489 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 107.05% | 89.26% | 90.30% | 86.69% | 90.89% | -1,616 bps | |
| Liquid Assets / Assets | 0.12% | 0.06% | 0.05% | 0.05% | 0.24% | +12 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |