Mount Pleasant, SC · Cert 57594
FDIC · 7 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Mount Pleasant, SC · Cert 57594
FDIC · 7 branches
Q2 2016
Market Position · Charleston-North Charleston, SC · 2016 SOD (annual) · 1.7% share · #13 of 31 inst. · $0.2B of $12.2B
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 0.01% | -0.19% | -0.52% | -0.33% | -0.29% | -0.25% | -1.27% | -74 bps | |
| Return on Equity | 1.78% | 0.25% | -3.45% | -9.72% | -6.15% | -5.37% | -4.63% | -24.07% | -1,435 bps | |
| Net Interest Margin | 2.68% | 2.73% | 2.58% | 2.56% | 2.55% | 2.63% | 2.73% | 2.88% | +32 bps | |
| Efficiency Ratio | 96.14% | 98.80% | 106.85% | 101.04% | 100.06% | 101.31% | 108.85% | 137.64% | +3,660 bps | |
| Non-Interest Burden | 2.57% | 2.69% | 2.78% | 2.59% | 2.55% | 2.67% | 2.98% | 4.06% | +147 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.22% | -2.13% | 0.00% | -1.96% | -0.58% | -1.97% | -2.61% | -6.27% | -431 bps | |
| Loan Growth (YoY) | -4.28% | -3.95% | -2.54% | -2.51% | -0.21% | 2.18% | 1.33% | 0.57% | +308 bps | |
| Deposit Growth (YoY) | -1.91% | -2.02% | 0.51% | -1.12% | -0.55% | -1.78% | -3.72% | -7.40% | -628 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 | 0.39% | 0.42% | -0.05% | 0.33% | 0.37% | 0.58% | 0.26% | 0.53% | +20 bps | |
| Allowance / Loans | 1.59% | 1.49% | 1.49% | 1.69% | 1.56% | 1.24% | 1.18% | 1.06% | -63 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 | 5.69% | 5.44% | 5.38% | 5.47% | 5.48% | 5.04% | -40 bps | |
| Total Risk-Based Capital | 8.86% | 8.95% | 8.78% | 8.57% | 8.54% | 8.33% | 8.17% | 7.42% | -115 bps | |
| Equity / Assets | 5.29% | 5.46% | 5.52% | 5.18% | 5.26% | 5.31% | 5.37% | 5.10% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.33% | 74.28% | 74.78% | 74.35% | 74.59% | 77.27% | 78.71% | 80.75% | +640 bps | |
| Liquid Assets / Assets | 3.30% | 3.57% | 4.09% | 4.40% | 5.44% | 2.88% | 3.60% | 1.21% | -318 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |