Pawleys Island, SC · Cert 57880
FDIC · 3 branches
Q3 2018
Market Position · Charleston-North Charleston, SC · 2018 SOD (annual) · 0.2% share · #24 of 32 inst. · $0.0B of $13.9B
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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.91% | 0.94% | 0.95% | 0.94% | 1.22% | 1.21% | 1.21% | +26 bps | |
| Return on Equity | 8.09% | 9.04% | 9.39% | 9.53% | 9.45% | 12.19% | 12.12% | 11.98% | +245 bps | |
| Net Interest Margin | 3.47% | 3.77% | 3.64% | 3.63% | 3.67% | 3.73% | 3.85% | 3.86% | +23 bps | |
| Efficiency Ratio | 68.36% | 65.60% | 63.79% | 63.44% | 63.97% | 61.23% | 63.16% | 63.27% | -17 bps | |
| Non-Interest Burden | 2.24% | 2.34% | 2.19% | 2.17% | 2.21% | 2.14% | 2.33% | 2.33% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.08% | 4.34% | 6.19% | 5.69% | 5.59% | 6.47% | 3.85% | 1.12% | -457 bps | |
| Loan Growth (YoY) | 10.14% | 10.71% | 13.48% | 9.12% | 8.12% | 7.34% | 6.21% | 5.80% | -332 bps | |
| Deposit Growth (YoY) | 5.22% | 2.52% | 4.12% | 4.44% | 4.17% | 5.44% | 3.83% | 0.30% | -413 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.12% | 0.20% | 0.20% | 0.00% | 0.00% | 0.04% | 0.00% | -20 bps | |
| Net Charge-Offs / Loans | -0.08% | 0.00% | 0.00% | 0.00% | 0.00% | -0.01% | -0.07% | -0.04% | -4 bps | |
| Allowance / Loans | 0.95% | 0.92% | 0.89% | 0.90% | 0.89% | 0.88% | 0.85% | 0.86% | -4 bps | |
| Allowance Coverage of NPLs | n/a | 7.4x | 4.4x | 4.5x | n/a | n/a | 21.3x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.06% | 10.27% | 9.96% | 9.83% | 10.06% | 10.14% | 10.15% | 10.28% | +45 bps | |
| Total Risk-Based Capital | 14.24% | 14.28% | 13.99% | 14.04% | 14.13% | 14.23% | 13.79% | 14.28% | +24 bps | |
| Equity / Assets | 10.08% | 10.15% | 9.87% | 9.79% | 10.03% | 9.99% | 9.95% | 10.30% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.68% | 103.75% | 106.24% | 104.69% | 106.58% | 105.63% | 108.67% | 110.43% | +574 bps | |
| Liquid Assets / Assets | 5.69% | 5.16% | 4.68% | 6.02% | 5.05% | 5.57% | 5.13% | 4.36% | -166 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |