Greenville, SC · Charter 65609
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Greenville, SC · Charter 65609
Q1 2003
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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.46% | 0.01% | -0.51% | 0.13% | -0.02% | 0.09% | 0.17% | +68 bps | |
| Return on Equity | n/a | 5.99% | 0.14% | -7.13% | 1.72% | -0.24% | 1.20% | 2.21% | +935 bps | |
| Net Interest Margin | 4.59% | 4.51% | 3.74% | 4.32% | 5.04% | 5.20% | 5.22% | 4.59% | +27 bps | |
| Efficiency Ratio | 84.51% | 84.90% | 90.01% | 93.01% | 76.87% | 75.57% | 75.22% | 82.12% | -1,088 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.99% | 13.20% | 19.15% | 4.90% | 1.58% | -5.37% | -12.59% | -3.43% | -833 bps | |
| Loan Growth (YoY) | 18.22% | 20.24% | 4.18% | -2.44% | -6.04% | -14.02% | -14.91% | -19.54% | -1,711 bps | |
| Share Growth (YoY) | 10.79% | 12.93% | 20.30% | 5.45% | 2.17% | -4.81% | -13.12% | -3.90% | -935 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.83% | 1.71% | 0.57% | 1.83% | 1.39% | 1.34% | 1.18% | 1.64% | -18 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 | 0.48% | 0.50% | 0.47% | 0.35% | 0.35% | 0.68% | 0.74% | 0.31% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 7.76% | 6.70% | 7.17% | 7.35% | 7.41% | 7.63% | 7.56% | +39 bps | |
| Net Worth / Assets | n/a | 7.76% | 6.70% | 7.17% | 7.35% | 7.41% | 7.63% | 7.56% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.51% | 90.95% | 78.20% | 81.58% | 85.07% | 82.15% | 76.59% | 68.30% | -1,328 bps | |
| Liquid Assets / Assets | 9.66% | 9.86% | 21.91% | 18.07% | 14.76% | 15.39% | 23.14% | 27.14% | +907 bps | |