Camden, SC · Cert 35564
FDIC
Q1 2006
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.25% | 0.24% | 0.24% | 0.28% | 0.32% | 0.33% | 0.45% | +21 bps | |
| Return on Equity | 1.84% | 1.80% | 1.75% | 2.02% | 2.32% | 2.70% | 2.82% | 3.92% | +190 bps | |
| Net Interest Margin | 3.69% | 3.59% | 3.49% | 3.71% | 3.68% | 3.61% | 3.64% | 3.36% | -35 bps | |
| Efficiency Ratio | 85.44% | 84.49% | 84.57% | 86.06% | 85.56% | 84.84% | 84.48% | 83.06% | -299 bps | |
| Non-Interest Burden | 3.08% | 2.96% | 2.88% | 3.11% | 3.05% | 2.96% | 2.97% | 2.71% | -39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 32.09% | 30.15% | 28.83% | 19.82% | 17.23% | 9.53% | 8.86% | -1.23% | -2,105 bps | |
| Loan Growth (YoY) | 18.03% | 17.75% | 23.27% | 33.12% | 16.61% | 17.48% | 14.56% | -4.51% | -3,762 bps | |
| Deposit Growth (YoY) | 32.28% | 23.57% | 18.63% | 19.54% | 10.80% | 4.06% | 6.97% | 8.12% | -1,142 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.77% | 0.56% | -0.01% | 0.09% | 0.05% | 0.06% | 0.00% | +1 bps | |
| Allowance / Loans | 1.36% | 0.94% | 1.00% | 0.99% | 1.05% | 1.02% | 1.00% | 1.13% | +15 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 22.52% | 20.24% | 19.32% | 18.22% | 18.87% | 18.24% | 17.79% | 19.86% | +165 bps | |
| Equity / Assets | 13.40% | 12.50% | 12.16% | 11.68% | 11.82% | 11.52% | 11.18% | 12.04% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.53% | 88.77% | 94.06% | 100.97% | 99.48% | 100.22% | 100.74% | 89.18% | -1,179 bps | |
| Liquid Assets / Assets | 1.10% | 1.72% | 0.88% | 0.89% | 2.51% | 0.19% | 0.11% | 0.15% | -73 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |