West Columbia, SC · Cert 58301
FDIC · 2 branches
Q1 2016
Market Position · Columbia, SC · 2015 SOD (annual) · 0.5% share · #13 of 27 inst. · $0.1B of $17.6B
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.36%1 | 0.34% | 0.29% | 0.33% | 0.03%1 | -33 bps | |
| Return on Equity | 3.08% | 2.93% | 2.53% | 2.83% | 0.21% | -287 bps | |
| Net Interest Margin | 3.69% | 3.78% | 3.79% | 3.83% | 3.90% | +21 bps | |
| Efficiency Ratio | 93.12% | 87.43% | 86.96% | 85.26% | 103.20% | +1,008 bps | |
| Non-Interest Burden | 3.39% | 3.24% | 3.22% | 3.18% | 3.99% | +60 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.25% | 0.25% | 2.87% | -3.36% | -6.06% | -481 bps | |
| Loan Growth (YoY) | 3.01% | 9.26% | 3.21% | 3.29% | -1.49% | -450 bps | |
| Deposit Growth (YoY) | -3.68% | -6.41% | 5.65% | 2.95% | 1.17% | +485 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.19% | 0.15% | 0.18% | 0.01% | +2 bps | |
| Allowance / Loans | 1.36% | 1.48% | 1.36% | 1.33% | 1.42% | +6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.59% | 10.86% | 10.76% | 10.97% | 11.29% | +70 bps | |
| Total Risk-Based Capital | 15.88% | 15.23% | 15.09% | 15.75% | 15.81% | -7 bps | |
| Equity / Assets | 11.79% | 11.71% | 11.40% | 12.17% | 12.79% | +100 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.66% | 95.30% | 85.13% | 89.43% | 88.28% | -238 bps | |
| Liquid Assets / Assets | 3.21% | 3.09% | 3.01% | 3.16% | 0.08% | -313 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |