Greenville, SC · Cert 58179
FDIC · 3 branches
Q3 2015
Market Position · Greenville-Anderson-Mauldin, SC · 2015 SOD (annual) · 0.8% share · #19 of 36 inst. · $0.1B of $14.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.64% | 0.99% | 0.98% | 1.22% | 0.43% | 0.51% | 0.74% | -24 bps | |
| Return on Equity | 5.31% | 4.90% | 8.01% | 7.77% | 9.38% | 3.29% | 3.84% | 5.42% | -235 bps | |
| Net Interest Margin | 3.69% | 3.72% | 3.79% | 3.79% | 4.04% | 3.88% | 3.79% | 3.93% | +14 bps | |
| Efficiency Ratio | 80.57% | 79.86% | 76.28% | 73.70% | 71.24% | 92.20% | 89.60% | 84.41% | +1,071 bps | |
| Non-Interest Burden | 2.91% | 2.83% | 2.72% | 2.56% | 2.62% | 3.50% | 3.29% | 3.20% | +65 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.20% | 3.11% | 14.14% | 1.46% | 6.57% | 2.22% | -8.17% | -0.31% | -177 bps | |
| Loan Growth (YoY) | 4.89% | 7.97% | 9.83% | 8.10% | 10.45% | 6.37% | 0.10% | -1.54% | -964 bps | |
| Deposit Growth (YoY) | -2.81% | 6.65% | 17.39% | 1.34% | 5.88% | -0.12% | -6.08% | 4.50% | +316 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 | 0.63% | 0.20% | 0.00% | 0.51% | 0.30% | 0.00% | 0.00% | 0.00% | -51 bps | |
| Allowance / Loans | 1.77% | 1.73% | 1.65% | 1.58% | 1.52% | 1.53% | 1.55% | 1.57% | -1 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 | 12.93% | 12.89% | 13.44% | n/a | |
| Total Risk-Based Capital | 18.44% | 17.41% | 17.01% | 17.36% | 17.06% | 17.15% | 17.39% | 17.48% | +12 bps | |
| Equity / Assets | 13.35% | 12.68% | 12.17% | 13.15% | 12.97% | 13.06% | 13.68% | 13.55% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.47% | 94.47% | 95.24% | 102.80% | 100.63% | 100.61% | 101.52% | 96.86% | -594 bps | |
| Liquid Assets / Assets | 4.85% | 5.55% | 8.33% | 3.63% | 3.98% | 4.89% | 2.29% | 4.03% | +40 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |