Cayce-West Col, SC · Charter 60804
Q4 2000
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.19% | 6.27% | 6.15% | 4.30% | 5.19% | 2.50% | 2.60% | 2.81% | -150 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 12.74% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 3.30% | 3.78% | 4.00% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 17.98% | 18.70% | 16.97% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.34% | 28.07% | 18.44% | 25.71% | 20.37% | 9.73% | -0.61% | -18.04% | -4,375 bps | |
| Loan Growth (YoY) | -6.80% | 9.24% | 21.02% | 6.27% | -1.01% | -7.54% | -14.41% | 11.33% | +506 bps | |
| Share Growth (YoY) | 27.90% | 26.14% | 15.48% | 25.75% | 19.78% | 7.38% | -5.06% | -26.27% | -5,202 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.07% | 1.86% | 1.61% | 4.98% | 2.36% | 1.53% | -33 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 | 1.00% | 0.99% | 0.99% | 1.00% | 1.50% | 1.50% | 1.90% | 2.00% | +100 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 22.03% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 22.03% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.41% | 75.19% | 80.14% | 63.96% | 56.54% | 64.75% | 72.25% | 96.58% | +3,262 bps | |
| Liquid Assets / Assets | 40.19% | 34.60% | 30.24% | 42.80% | 49.77% | 44.29% | 21.43% | 23.98% | -1,883 bps | |