Laurens, SC · Cert 8997
FDIC · 32 branches
Q2 2015
Market Position · Greenville-Anderson-Mauldin, SC · 2015 SOD (annual) · 4.4% share · #8 of 36 inst. · $0.7B of $14.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.86% | 1.22% | 0.94% | 1.20% | +44 bps | |
| Return on Equity | 6.45% | 7.19% | 10.28% | 8.04% | 10.31% | +386 bps | |
| Net Interest Margin | 3.56% | 3.57% | 3.51% | 3.48% | 3.48% | -8 bps | |
| Efficiency Ratio | 75.19% | 77.72% | 73.91% | 66.44% | 69.50% | -569 bps | |
| Non-Interest Burden | 2.38% | 2.54% | 2.24% | 1.82% | 2.03% | -35 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.57% | -0.22% | 2.62% | 6.75% | 6.71% | +615 bps | |
| Loan Growth (YoY) | 1.83% | 2.44% | 4.80% | 10.19% | 9.14% | +731 bps | |
| Deposit Growth (YoY) | -3.19% | -0.85% | 2.31% | 4.29% | 5.25% | +844 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.34% | -0.14% | 0.32% | 0.19% | -0.40% | -74 bps | |
| Allowance / Loans | 2.06% | 1.98% | 1.60% | 1.55% | 1.55% | -51 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | 11.84% | 11.72% | n/a | |
| Total Risk-Based Capital | 16.54% | 16.64% | 16.24% | 15.62% | 15.77% | -77 bps | |
| Equity / Assets | 11.90% | 11.93% | 11.86% | 11.55% | 11.71% | -18 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.56% | 82.87% | 86.80% | 86.24% | 84.58% | +301 bps | |
| Liquid Assets / Assets | 3.28% | 2.25% | 1.24% | 3.18% | 3.94% | +66 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |