Columbia, SC · Charter 60811
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.94% | 2.24% | 2.31% | 1.92% | 2.75% | 3.01% | 3.18% | 1.63% | -28 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | -30.96% | -25.39% | 5.10% | -0.97% | -1.50% | -2.63% | -21.49% | -2,659 bps | |
| Loan Growth (YoY) | n/a | 3.03% | -17.39% | -27.09% | -11.74% | -18.71% | -15.77% | -15.65% | +1,145 bps | |
| Share Growth (YoY) | n/a | -33.93% | -22.56% | 5.39% | -2.06% | -3.04% | -4.08% | -25.24% | -3,063 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.05% | 2.41% | 0.53% | 4.26% | 2.30% | 1.83% | 3.41% | 2.37% | -189 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 | 1.03% | 1.00% | 1.00% | 1.02% | 1.08% | 1.19% | 1.22% | 1.36% | +33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.94% | 89.94% | 90.68% | 68.91% | 86.46% | 75.41% | 79.63% | 77.75% | +884 bps | |
| Liquid Assets / Assets | 11.91% | 17.38% | 17.92% | 37.28% | 22.65% | 32.39% | 29.09% | 32.26% | -502 bps | |