Charleston, SC · Charter 61042
Q4 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 0.82% | 0.82% | 0.77% | 0.93% | 0.85% | 0.68% | 1.20% | +43 bps | |
| Return on Equity | n/a | n/a | 4.99% | 4.65% | 5.89% | 5.25% | 4.79% | 7.93% | +328 bps | |
| Net Interest Margin | 6.37% | 5.34% | 5.42% | 5.22% | 4.96% | 5.33% | 4.87% | 5.44% | +22 bps | |
| Efficiency Ratio | 77.25% | 81.26% | 81.90% | 85.76% | 81.39% | 81.29% | 84.25% | 77.07% | -869 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.71% | 1.30% | 2.93% | 5.50% | 14.16% | 13.58% | 27.25% | 23.27% | +1,776 bps | |
| Loan Growth (YoY) | -37.57% | -38.52% | -35.95% | -10.51% | -0.47% | 15.03% | 21.09% | 18.82% | +2,933 bps | |
| Share Growth (YoY) | -6.56% | 0.56% | 1.17% | 4.36% | 14.60% | 14.09% | 31.16% | 26.19% | +2,183 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.07% | 4.80% | 0.00% | 2.42% | 0.47% | 0.09% | 0.00% | 0.00% | -242 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 | 4.21% | 4.35% | 3.44% | 3.16% | 3.11% | 2.44% | 2.43% | 2.29% | -87 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 16.47% | 16.49% | 15.86% | 16.09% | 14.26% | 15.08% | -141 bps | |
| Net Worth / Assets | n/a | n/a | 16.47% | 16.49% | 15.86% | 16.09% | 14.26% | 15.08% | -141 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.59% | 60.54% | 55.63% | 59.13% | 54.37% | 61.04% | 51.37% | 55.68% | -345 bps | |
| Liquid Assets / Assets | 13.82% | 36.21% | 16.16% | 39.00% | 54.40% | 39.35% | 47.48% | 41.63% | +263 bps | |