Chesnee, SC · Cert 9920
FDIC
Q2 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 1.07% | 1.42% | 1.39% | 1.38% | 1.27% | 1.55% | 1.53% | +14 bps | |
| Return on Equity | n/a | n/a | 20.51% | 19.66% | 19.22% | 17.49% | 20.79% | 20.31% | +65 bps | |
| Net Interest Margin | 4.01% | 3.93% | 4.15% | 4.17% | 4.18% | 4.21% | 4.04% | 4.09% | -8 bps | |
| Efficiency Ratio | 54.42% | 55.16% | 53.65% | 54.30% | 54.41% | 54.20% | 55.62% | 55.43% | +113 bps | |
| Non-Interest Burden | 1.85% | 1.85% | 1.87% | 1.91% | 1.93% | 1.92% | 1.90% | 1.92% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.48% | 16.87% | 15.51% | 5.61% | 1.74% | 1.39% | 4.43% | 6.53% | +92 bps | |
| Loan Growth (YoY) | 8.75% | 10.85% | 5.51% | -1.51% | 4.75% | 4.84% | 7.72% | 0.70% | +221 bps | |
| Deposit Growth (YoY) | 14.61% | 18.41% | 16.80% | 5.58% | 1.55% | 0.87% | 4.03% | 6.23% | +66 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.69% | 0.94% | 0.23% | 0.11% | 0.05% | 0.06% | 0.08% | 1.20% | +109 bps | |
| Allowance / Loans | 0.94% | 1.00% | 1.07% | 1.19% | 1.26% | 1.43% | 1.43% | 1.02% | -17 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.98% | 10.86% | 11.23% | 11.68% | 11.98% | 11.62% | 11.76% | 11.98% | +30 bps | |
| Equity / Assets | 6.86% | 6.91% | 6.90% | 7.34% | 7.60% | 7.53% | 7.35% | 7.69% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.93% | 72.98% | 69.35% | 71.74% | 74.20% | 75.85% | 71.81% | 68.00% | -374 bps | |
| Liquid Assets / Assets | 0.04% | 0.04% | 0.04% | 0.04% | 0.06% | 0.07% | 0.06% | 0.01% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |