Columbia, SC · Cert 58222
FDIC
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Columbia, SC · Cert 58222
FDIC
Q2 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.89% | -3.17% | -1.16% | -1.22% | -3.43% | -4.51% | -7.72% | -5.38% | -416 bps | |
| Return on Equity | -8.80% | -33.22% | -16.86% | -17.95% | -53.99% | -78.36% | -357% | -317% | -29,896 bps | |
| Net Interest Margin | 2.09% | 2.22% | 2.49% | 2.54% | 2.70% | 2.60% | 2.14% | 2.08% | -46 bps | |
| Efficiency Ratio | 112.86% | 120.29% | 96.50% | 97.54% | 123.29% | 146.26% | 201% | 246% | +14,861 bps | |
| Non-Interest Burden | 2.36% | 2.67% | 2.39% | 2.47% | 3.24% | 3.60% | 3.97% | 4.51% | +204 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.10% | 1.27% | 8.77% | 2.05% | -8.08% | -8.88% | -21.04% | -18.97% | -2,103 bps | |
| Loan Growth (YoY) | 7.00% | 3.43% | -0.75% | -9.03% | -16.88% | -20.24% | -22.71% | -25.82% | -1,678 bps | |
| Deposit Growth (YoY) | 15.46% | 10.33% | 21.86% | 12.52% | 1.77% | -2.75% | -16.10% | -12.91% | -2,543 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 | 0.27% | 1.90% | 1.08% | 1.37% | 3.44% | 4.30% | 5.28% | 4.25% | +287 bps | |
| Allowance / Loans | 2.11% | 2.51% | 2.69% | 2.79% | 3.59% | 4.30% | 5.28% | 5.13% | +234 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 | 13.11% | 10.56% | 10.13% | 10.06% | 8.06% | 5.67% | 3.18% | 1.94% | -812 bps | |
| Equity / Assets | 9.54% | 7.26% | 6.48% | 6.69% | 4.94% | 3.03% | 1.24% | 0.71% | -598 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.24% | 101.19% | 88.69% | 89.72% | 85.95% | 82.99% | 81.70% | 76.42% | -1,330 bps | |
| Liquid Assets / Assets | 2.01% | 1.54% | 7.64% | 4.92% | 8.47% | 8.71% | 7.45% | 11.01% | +609 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |