PackageTrendsPeer
Letter portraitLegal landscape

Savannah River Banking Company

Aiken, SC · Cert 58515

FDIC

Q4 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2013, the quarter ended December 31, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Savannah River Banking Company

Aiken, SC · Cert 58515

FDIC

Q4 2013

$152.3MAssets
$110.4MLoans
$121.5MDeposits
$22.2MEquity
Loan mix
76%RE $60.6M22%C&I $17.9M1%Consumer $1.2MQ4 2012Q4 2013
Deposit mix
92%Interest-bearing $111.4M8%Noninterest $10.2MQ4 2012Q4 2013

NIM

4.20%Q4 ’113.92%Q4 ’123.90%Q4 ’13+5%+5%

Non-interest income vs. expense

2.45%Q4 ’112.52%Q4 ’122.57%Q4 ’130%+2%

Executive Summary

  • Earnings: ROA of 0.68%, up 26 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 90.83% of deposits as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

0.68%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.46%+16 bps YoY

Efficiency Ratio (YTD, annualized)

69.29%-197 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets0.41%0.58%0.56%0.65%0.68%+26 bps
Return on Equity3.02%4.24%4.10%4.73%4.86%+184 bps
Net Interest Margin3.30%3.43%3.43%3.50%3.46%+16 bps
Efficiency Ratio71.26%69.35%70.13%67.61%69.29%-197 bps
Non-Interest Burden2.28%2.28%2.33%2.29%2.32%+4 bps
Growth
Asset Growth (YoY)3.76%0.95%1.40%3.61%-5.24%-901 bps
Loan Growth (YoY)12.44%11.74%8.44%7.95%-3.13%-1,557 bps
Deposit Growth (YoY)4.64%2.46%1.08%-1.58%-8.08%-1,272 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.25%0.00%-0.02%-0.01%0.00%-25 bps
Allowance / Loans1.69%1.74%1.88%1.92%2.02%+33 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital17.99%18.04%18.01%18.08%18.65%+65 bps
Equity / Assets13.46%13.93%13.67%14.15%14.60%+114 bps
Liquidity & Funding
Loans / Deposits86.18%89.06%84.67%90.91%90.83%+465 bps
Liquid Assets / Assets1.89%2.05%2.57%1.97%1.83%-6 bps
CRE / Total Capitaln/an/an/an/an/an/an/a