Columbia, SC · Cert 58222
FDIC
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.54% | -9.87% | -1.16% | -1.26% | -8.01% | -7.99% | -7.72% | -2.96% | -170 bps | |
| Return on Equity | -5.51% | -117.18% | -16.86% | -19.09% | -137.23% | -199.66% | -357% | -302% | -28,266 bps | |
| Net Interest Margin | 2.31% | 2.68% | 2.49% | 2.64% | 2.68% | 1.91% | 2.14% | 1.93% | -71 bps | |
| Efficiency Ratio | 104.74% | 136.88% | 96.50% | 98.53% | 262% | 280% | 201% | 307% | +20,816 bps | |
| Non-Interest Burden | 2.41% | 3.69% | 2.39% | 2.60% | 4.46% | 4.18% | 3.97% | 4.88% | +228 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 | 0.16% | 6.78% | 1.08% | 1.60% | 7.33% | 6.18% | 5.28% | 2.70% | +110 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 |