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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.66% | 2.61% | 0.11% | -0.08% | -0.23% | -389 bps | |
| Return on Equity | 37.63% | 26.44% | 1.00% | -0.70% | -2.07% | -3,970 bps | |
| Net Interest Margin | 3.28% | 3.23% | 3.16% | 3.16% | 3.30% | +2 bps | |
| Efficiency Ratio | 101.37% | 102.76% | 93.60% | 103.77% | 109.43% | +807 bps | |
| Non-Interest Burden | 3.24% | 3.24% | 2.92% | 3.23% | 3.52% | +27 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.20% | 6.79% | 3.81% | -1.07% | -9.93% | -1,413 bps | |
| Loan Growth (YoY) | -4.52% | -7.13% | -1.42% | 5.35% | 2.97% | +749 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.09% | -0.03% | -0.01% | 0.39% | +40 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.77% | 8.55% | 8.45% | 8.57% | 8.86% | +9 bps | |
| Total Risk-Based Capital | 12.86% | 12.68% | 12.49% | 12.07% | 12.29% | -57 bps | |
| Equity / Assets | 10.80% | 10.50% | 10.98% | 10.91% | 11.80% | +100 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.97% | 76.18% | 82.30% | 88.59% | 90.56% | +960 bps | |
| Liquid Assets / Assets | 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 |