Bluffton, SC · Cert 58075
FDIC · 2 branches
Q1 2018
Market Position · Hilton Head Island-Bluffton-Beaufort, SC · 2017 SOD (annual) · 1.8% share · #15 of 22 inst. · $0.1B of $4.3B
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 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.54% | 0.57% | -0.31% | 0.86% | +32 bps | |
| Return on Equity | 4.64% | 4.61% | 4.89% | -2.61% | 7.14% | +251 bps | |
| Net Interest Margin | 4.01% | 4.05% | 3.77% | 3.82% | 4.11% | +10 bps | |
| Efficiency Ratio | 77.20% | 78.64% | 77.94% | 77.93% | 73.93% | -327 bps | |
| Non-Interest Burden | 2.91% | 2.98% | 2.76% | 2.83% | 2.87% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.60% | 6.82% | 12.35% | -5.84% | -5.92% | -1,053 bps | |
| Loan Growth (YoY) | 4.22% | -5.73% | -3.67% | -4.02% | -3.57% | -778 bps | |
| Deposit Growth (YoY) | 6.49% | 9.06% | 13.43% | -6.24% | -6.37% | -1,285 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.09% | 0.06% | 0.06% | 0.00% | 0.00% | -9 bps | |
| Net Charge-Offs / Loans | -0.04% | 0.25% | 0.12% | -0.05% | -0.09% | -5 bps | |
| Allowance / Loans | 1.12% | 1.09% | 1.09% | 1.22% | 1.22% | +10 bps | |
| Allowance Coverage of NPLs | 12.6x | 17.7x | 18.2x | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.77% | 10.04% | 9.44% | 9.96% | 11.16% | +139 bps | |
| Total Risk-Based Capital | 14.82% | 16.21% | 16.02% | 17.10% | 16.84% | +202 bps | |
| Equity / Assets | 11.97% | 12.05% | 11.51% | 11.68% | 12.45% | +49 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.87% | 81.05% | 78.07% | 85.02% | 91.53% | +266 bps | |
| Liquid Assets / Assets | 12.69% | 22.04% | 22.37% | 16.96% | 11.70% | -99 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |