Charleston, SC · Cert 58219
FDIC · 4 branches
Q3 2014
Market Position · Charleston-North Charleston, SC · 2014 SOD (annual) · 2.5% share · #12 of 32 inst. · $0.3B of $10.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.18% | 0.74% | 0.91% | 0.70% | 0.80% | 0.70% | 0.89% | 1.27% | +56 bps | |
| Return on Equity | 10.70% | 6.67% | 8.24% | 6.23% | 7.24% | 6.52% | 8.34% | 11.94% | +571 bps | |
| Net Interest Margin | 3.72% | 3.57% | 3.80% | 3.55% | 3.69% | 3.50% | 3.53% | 3.48% | -7 bps | |
| Efficiency Ratio | 62.31% | 72.46% | 73.12% | 77.70% | 73.32% | 80.02% | 74.14% | 72.24% | -546 bps | |
| Non-Interest Burden | 1.93% | 2.37% | 2.49% | 2.52% | 2.43% | 2.61% | 2.18% | 2.02% | -50 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.60% | 11.09% | 9.06% | 3.17% | 9.23% | 8.04% | 13.15% | 16.09% | +1,292 bps | |
| Loan Growth (YoY) | 7.31% | 9.33% | 10.90% | 5.27% | 8.46% | 12.81% | 15.51% | 18.35% | +1,309 bps | |
| Deposit Growth (YoY) | 7.61% | 11.41% | 8.84% | 2.01% | 7.14% | 5.77% | 13.33% | 16.41% | +1,440 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 | 0.44% | 0.08% | -0.14% | -0.08% | 0.29% | -0.33% | -0.02% | -0.06% | +2 bps | |
| Allowance / Loans | 1.84% | 1.83% | 1.76% | 1.76% | 1.66% | 1.60% | 1.48% | 1.40% | -36 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 | 14.64% | 14.56% | 14.56% | 14.87% | 14.69% | 14.68% | 14.59% | 14.62% | -26 bps | |
| Equity / Assets | 11.16% | 10.96% | 11.17% | 11.34% | 10.84% | 10.75% | 10.59% | 10.61% | -73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.41% | 95.14% | 102.18% | 103.70% | 99.63% | 101.48% | 104.15% | 105.43% | +173 bps | |
| Liquid Assets / Assets | 3.05% | 6.00% | 1.11% | 1.19% | 4.26% | 3.32% | 2.15% | 0.90% | -29 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |