Easley, SC · Cert 57868
FDIC
Q4 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07%1 | -0.73% | -1.97% | -13.96% | -1.82% | -1.68% | -4.07% | -7.70% | +626 bps | |
| Return on Equity | 0.85% | -9.22% | -27.39% | -288% | -65.28% | -69.93% | -227% | -3732% | -344,371 bps | |
| Net Interest Margin | 3.03% | 2.88% | 2.79% | 2.32% | 1.88% | 1.48% | 0.97% | 1.61% | -71 bps | |
| Efficiency Ratio | 72.97% | 86.76% | 86.84% | 188.62% | 142.91% | 162.45% | 233% | 261% | +7,277 bps | |
| Non-Interest Burden | 2.13% | 2.44% | 2.37% | 4.72% | 2.83% | 2.62% | 2.80% | 4.84% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.65% | 0.93% | 15.10% | 8.68% | 14.51% | 20.03% | 0.31% | -19.06% | -2,774 bps | |
| Loan Growth (YoY) | 2.25% | -2.75% | -8.62% | -14.27% | -17.97% | -20.29% | -19.96% | -21.21% | -694 bps | |
| Deposit Growth (YoY) | 3.96% | 5.36% | 27.04% | 25.78% | 23.01% | 29.86% | 6.35% | -16.63% | -4,240 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 | -0.03% | 1.60% | 3.91% | 11.70% | 1.57% | 3.82% | 5.40% | 11.60% | -10 bps | |
| Allowance / Loans | 2.97% | 3.15% | 3.52% | 4.71% | 4.98% | 4.74% | 4.88% | 4.45% | -26 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 | 10.70% | 10.73% | 10.16% | 6.25% | 5.91% | 5.36% | 3.48% | -1.01% | -726 bps | |
| Equity / Assets | 8.07% | 7.82% | 6.64% | 2.97% | 2.60% | 2.21% | 1.36% | -1.29% | -425 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.10% | 94.58% | 77.42% | 72.99% | 65.43% | 58.05% | 58.27% | 68.97% | -401 bps | |
| Liquid Assets / Assets | 0.12% | 0.12% | 0.11% | 0.11% | 0.11% | 0.10% | 0.11% | 0.14% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |