Columbia, SC · Charter 5467
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Columbia, SC · Charter 5467
Q1 2014
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.28% | 0.71% | 1.70% | -0.95% | -1.17% | -1.37% | -11.01% | -1,270 bps | |
| Return on Equity | 3.06% | 1.83% | 4.40% | 10.34% | -5.30% | -6.92% | -8.08% | -65.01% | -7,535 bps | |
| Net Interest Margin | 4.17% | 3.95% | 4.40% | 4.24% | 4.73% | 4.39% | 4.67% | 4.65% | +41 bps | |
| Efficiency Ratio | 93.56% | 96.23% | 86.23% | 60.61% | 92.63% | 107.34% | 105.66% | 121.02% | +6,041 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.85% | -2.68% | -0.88% | -4.18% | -14.32% | -11.17% | -11.71% | -24.96% | -2,078 bps | |
| Loan Growth (YoY) | -3.32% | 13.99% | 16.80% | 9.94% | 10.94% | -8.08% | -20.61% | -21.56% | -3,149 bps | |
| Share Growth (YoY) | -2.04% | -0.46% | -1.84% | -6.12% | -17.12% | -15.44% | -12.37% | -25.33% | -1,921 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 2.46% | 0.47% | 7.78% | 14.53% | 2.49% | 10.32% | +986 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.32% | 0.27% | 0.26% | 0.29% | 1.13% | 1.18% | 1.95% | 5.51% | +522 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.37% | 15.46% | 16.22% | 16.39% | 18.00% | 16.98% | 16.99% | 16.94% | +54 bps | |
| Net Worth / Assets | 15.37% | 15.46% | 16.22% | 16.39% | 18.00% | 16.98% | 16.99% | 16.94% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.60% | 82.84% | 92.88% | 85.14% | 97.17% | 90.05% | 84.15% | 89.44% | +430 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |