Greenville, SC · Cert 57951
FDIC · 3 branches
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, 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.
Greenville, SC · Cert 57951
FDIC · 3 branches
Q4 2017
Market Position · Greenville-Anderson-Mauldin, SC · 2017 SOD (annual) · 0.5% share · #24 of 35 inst. · $0.1B of $16.7B
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | -0.59% | -0.61% | -1.38% | -2.34% | -1.41% | -1.19% | -1.05% | +33 bps | |
| Return on Equity | 2.16% | -5.69% | -5.88% | -13.56% | -26.14% | -15.95% | -13.51% | -11.83% | +173 bps | |
| Net Interest Margin | 3.54% | 3.68% | 3.60% | 3.48% | 3.39% | 3.59% | 3.63% | 3.74% | +26 bps | |
| Efficiency Ratio | 101.45% | 119.39% | 118.14% | 133.43% | 138.79% | 124.86% | 122.27% | 122.20% | -1,123 bps | |
| Non-Interest Burden | 3.60% | 4.43% | 4.31% | 4.74% | 4.89% | 4.59% | 4.56% | 4.70% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.34% | -10.74% | -5.13% | -6.39% | -1.95% | -2.39% | -7.60% | -8.87% | -247 bps | |
| Loan Growth (YoY) | -4.47% | -3.06% | -3.21% | -10.45% | -3.25% | -6.07% | -13.02% | -9.86% | +60 bps | |
| Deposit Growth (YoY) | -4.20% | -11.66% | -5.52% | -5.69% | -4.71% | -5.01% | -10.66% | -8.26% | -257 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 1.33% | 1.10% | 1.17% | 1.13% | +113 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.68% | 0.46% | 0.34% | 0.75% | 0.39% | 0.35% | 0.28% | -6 bps | |
| Allowance / Loans | 1.65% | 1.33% | 1.35% | 2.21% | 2.25% | 2.34% | 2.49% | 2.37% | +15 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 1.7x | 2.1x | 2.1x | 2.1x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.27% | 10.25% | 9.99% | 9.00% | 8.69% | 8.60% | 8.55% | 8.77% | -23 bps | |
| Total Risk-Based Capital | 14.15% | 13.09% | 13.39% | 13.40% | 12.16% | 12.44% | 13.00% | 12.91% | -49 bps | |
| Equity / Assets | 10.71% | 10.49% | 10.18% | 9.26% | 8.66% | 8.62% | 8.78% | 8.92% | -34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.00% | 78.13% | 75.93% | 74.16% | 80.20% | 77.26% | 73.93% | 72.87% | -129 bps | |
| Liquid Assets / Assets | 1.05% | 1.06% | 2.92% | 12.69% | 10.56% | 10.65% | 11.08% | 6.03% | -666 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |