Aiken, SC · Cert 58650
FDIC · 3 branches
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, 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.
Aiken, SC · Cert 58650
FDIC · 3 branches
Q3 2016
Market Position · Augusta-Richmond County, GA-SC · 2016 SOD (annual) · 0.7% share · #16 of 20 inst. · $0.1B of $8.0B
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.50% | 5.47% | 3.66% | 2.61% | 0.11% | -0.08% | -0.23% | -389 bps | |
| Return on Equity | 3.35% | 5.78% | 58.50% | 37.63% | 26.44% | 1.00% | -0.70% | -2.07% | -3,970 bps | |
| Net Interest Margin | 3.49% | 3.41% | 3.34% | 3.28% | 3.23% | 3.16% | 3.16% | 3.30% | +2 bps | |
| Efficiency Ratio | 89.03% | 91.15% | 92.75% | 101.37% | 102.76% | 93.60% | 103.77% | 109.43% | +807 bps | |
| Non-Interest Burden | 3.12% | 3.10% | 3.07% | 3.24% | 3.24% | 2.92% | 3.23% | 3.52% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.47% | 1.92% | 8.01% | 4.20% | 6.79% | 3.81% | -1.07% | -9.93% | -1,413 bps | |
| Loan Growth (YoY) | 2.71% | -2.67% | -5.90% | -4.52% | -7.13% | -1.42% | 5.35% | 2.97% | +749 bps | |
| Deposit Growth (YoY) | 2.04% | 0.87% | 6.22% | -0.74% | 4.86% | 0.31% | -5.65% | -7.94% | -721 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 | 0.33% | 0.04% | 0.02% | -0.01% | 0.09% | -0.03% | -0.01% | 0.39% | +40 bps | |
| Allowance / Loans | 1.27% | 1.31% | 1.33% | 1.09% | 1.00% | 1.00% | 1.00% | 1.01% | -7 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 | 8.76% | 8.94% | 8.77% | 8.55% | 8.45% | 8.57% | 8.86% | +9 bps | |
| Total Risk-Based Capital | 12.17% | 12.78% | 12.79% | 12.86% | 12.68% | 12.49% | 12.07% | 12.29% | -57 bps | |
| Equity / Assets | 8.60% | 8.79% | 10.59% | 10.80% | 10.50% | 10.98% | 10.91% | 11.80% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.02% | 83.74% | 79.34% | 80.97% | 76.18% | 82.30% | 88.59% | 90.56% | +960 bps | |
| Liquid Assets / Assets | 0.24% | 0.11% | 5.70% | 3.86% | 4.44% | 0.93% | 0.73% | 8.12% | +426 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |