Cayce, SC · Charter 60835
Q2 1999
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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.67% | 4.21% | 4.46% | 4.23% | 4.74% | 4.28% | 4.45% | 4.69% | +46 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 | -6.23% | 0.66% | 7.97% | 8.65% | 1.85% | 5.83% | 7.87% | -10 bps | |
| Loan Growth (YoY) | n/a | 23.80% | -1.04% | -10.87% | -9.41% | 3.37% | 7.56% | 7.67% | +1,855 bps | |
| Share Growth (YoY) | n/a | -10.13% | -2.33% | 5.78% | 6.59% | -0.86% | 3.62% | 6.48% | +70 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.79% | 0.53% | 0.73% | 0.62% | 0.04% | 1.29% | 1.49% | 0.74% | +12 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 | 0.82% | 1.02% | 0.97% | 0.97% | 0.66% | 0.71% | 0.72% | 0.65% | -32 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 | 113.44% | 94.00% | 93.29% | 88.17% | 96.42% | 98.01% | 96.84% | 89.16% | +99 bps | |
| Liquid Assets / Assets | 2.76% | 18.73% | 20.43% | 27.72% | 20.98% | 17.99% | 19.28% | 25.07% | -266 bps | |