Greenville, SC · Cert 58157
FDIC
Q2 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07%1 | -0.39% | 0.10% | -0.08% | 0.30%1 | 0.19%1 | 0.40% | 0.06%1 | +14 bps | |
| Return on Equity | 0.81% | -4.56% | 1.20% | -0.85% | 3.37% | 2.08% | 4.25% | 0.67% | +152 bps | |
| Net Interest Margin | 2.09% | 1.98% | 2.14% | 2.17% | 2.16% | 2.18% | 2.07% | 2.44% | +26 bps | |
| Efficiency Ratio | 124.61% | 115.25% | 85.87% | 75.93% | 72.36% | 95.24% | 81.44% | 96.44% | +2,050 bps | |
| Non-Interest Burden | 2.74% | 2.25% | 1.80% | 1.62% | 1.58% | 2.08% | 1.67% | 2.35% | +72 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.21% | 3.56% | 2.67% | -0.92% | 0.97% | -5.64% | -5.77% | -9.73% | -881 bps | |
| Loan Growth (YoY) | -1.13% | 2.67% | 3.49% | -2.91% | -3.51% | -3.13% | -10.29% | -10.88% | -797 bps | |
| Deposit Growth (YoY) | 12.26% | 3.91% | 2.60% | -1.33% | 3.27% | -4.93% | -5.00% | -6.40% | -506 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 | 0.00% | 1.68% | 0.63% | 3.94% | 0.00% | 1.24% | -0.25% | -0.01% | -395 bps | |
| Allowance / Loans | 1.49% | 1.66% | 1.63% | 1.20% | 1.50% | 1.60% | 1.77% | 1.82% | +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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 16.96% | 16.45% | 16.42% | 16.11% | 16.68% | 16.30% | 17.13% | 17.46% | +135 bps | |
| Equity / Assets | 8.81% | 8.50% | 8.80% | 8.96% | 8.75% | 9.23% | 9.52% | 9.23% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.22% | 59.51% | 61.88% | 61.45% | 55.33% | 60.63% | 58.43% | 58.51% | -294 bps | |
| Liquid Assets / Assets | 19.13% | 17.23% | 9.65% | 10.80% | 14.69% | 8.44% | 10.27% | 9.41% | -139 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |