Greenwood, SC · Charter 60704
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Greenwood, SC · Charter 60704
Q1 2013
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.08% | -0.25% | 0.02% | -0.10% | 0.05% | 0.09% | 0.27% | 0.47% | +57 bps | |
| Return on Equity | -0.59% | -1.84% | 0.11% | -0.70% | 0.34% | 0.66% | 1.95% | 3.57% | +427 bps | |
| Net Interest Margin | 3.24% | 3.31% | 3.45% | 3.63% | 3.60% | 3.64% | 3.71% | 3.73% | +10 bps | |
| Efficiency Ratio | 98.98% | 102.85% | 96.80% | 99.18% | 95.64% | 94.83% | 91.19% | 90.16% | -902 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.50% | -0.19% | 2.28% | -0.78% | 1.49% | 3.24% | 4.02% | 7.64% | +841 bps | |
| Loan Growth (YoY) | 2.54% | 7.05% | 4.85% | 3.88% | 6.70% | 6.90% | 6.55% | 8.49% | +461 bps | |
| Share Growth (YoY) | 4.56% | 0.21% | 2.52% | -1.05% | 1.46% | 3.14% | 4.29% | 8.39% | +944 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.77% | 1.31% | 1.57% | 1.54% | 1.41% | 1.95% | 1.41% | 0.34% | -120 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 | 1.01% | 1.01% | 1.00% | 1.06% | 1.01% | 1.00% | 1.00% | 0.95% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.81% | 13.83% | 14.11% | 13.85% | 13.69% | 13.66% | 13.83% | 13.26% | -58 bps | |
| Net Worth / Assets | 13.81% | 13.83% | 14.11% | 13.85% | 13.69% | 13.66% | 13.83% | 13.26% | -58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.80% | 69.42% | 71.66% | 69.57% | 70.25% | 71.95% | 73.21% | 69.64% | +7 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |