Florence, SC · Charter 60258
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | 0.20% | 0.18% | 0.04% | 0.01% | 0.01% | 0.00% | -0.03% | -7 bps | |
| Return on Equity | 0.78% | 1.21% | 1.06% | 0.23% | 0.06% | 0.03% | -0.01% | -0.16% | -39 bps | |
| Net Interest Margin | 5.27% | 5.03% | 5.10% | 5.22% | 4.70% | 4.96% | 5.13% | 5.20% | -2 bps | |
| Efficiency Ratio | 97.27% | 96.02% | 96.70% | 98.77% | 99.03% | 99.13% | 99.24% | 99.71% | +94 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.47% | 1.49% | -0.62% | -0.64% | -1.24% | -10.27% | -9.37% | -10.72% | -1,009 bps | |
| Loan Growth (YoY) | 2.63% | 7.03% | -2.96% | -9.44% | -6.50% | -10.87% | -8.34% | 6.70% | +1,614 bps | |
| Share Growth (YoY) | 0.77% | 2.05% | -1.06% | -0.70% | -1.37% | -12.18% | -10.98% | -13.08% | -1,238 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.71% | 0.38% | 0.73% | 0.00% | 0.48% | 0.00% | 0.15% | -57 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.78% | 3.80% | 4.05% | 4.05% | 3.76% | 3.96% | 4.11% | 3.74% | -32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.39% | 16.17% | 16.75% | 16.84% | 16.57% | 17.96% | 18.37% | 18.82% | +199 bps | |
| Net Worth / Assets | 16.39% | 16.17% | 16.75% | 16.84% | 16.57% | 17.96% | 18.37% | 18.82% | +199 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.89% | 56.89% | 55.82% | 53.57% | 54.88% | 57.75% | 57.48% | 65.77% | +1,220 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |