Abbeville, SC · Charter 60894
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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.
Abbeville, SC · Charter 60894
Q1 2011
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.00% | 1.26% | 0.24% | -0.01% | 0.31% | -0.61% | 0.03% | -21 bps | |
| Return on Equity | 1.63% | 0.03% | 6.87% | 1.30% | -0.07% | 1.85% | -3.77% | 0.23% | -106 bps | |
| Net Interest Margin | 4.96% | 4.31% | 4.31% | 4.49% | 4.39% | 4.42% | 4.64% | 4.63% | +14 bps | |
| Efficiency Ratio | 86.81% | 98.13% | 78.56% | 83.19% | 89.45% | 90.21% | 89.81% | 83.77% | +58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.23% | -0.19% | -0.52% | 0.97% | 9.07% | 9.79% | 10.20% | 28.63% | +2,766 bps | |
| Loan Growth (YoY) | -2.49% | -3.06% | 4.10% | 8.62% | 11.96% | 17.21% | 18.91% | 15.84% | +722 bps | |
| Share Growth (YoY) | -0.45% | 0.06% | -0.76% | 1.40% | 12.41% | 12.60% | 13.66% | 36.51% | +3,511 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.93% | 0.74% | 3.39% | 3.70% | 2.71% | 0.72% | 1.94% | 1.16% | -253 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 | 1.04% | 1.09% | 0.50% | 0.50% | 0.46% | 0.53% | 1.22% | 1.74% | +124 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.63% | 17.76% | 18.37% | 18.76% | 17.77% | 16.71% | 16.10% | 13.94% | -482 bps | |
| Net Worth / Assets | 19.63% | 17.76% | 18.37% | 18.76% | 17.77% | 16.71% | 16.10% | 13.94% | -482 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.36% | 85.14% | 92.59% | 101.25% | 95.98% | 88.63% | 96.87% | 85.92% | -1,533 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |