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First Bulloch Bank & Trust Company

Statesboro, GA · Cert 14215

FDIC

Q1 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2001, the quarter ended March 31, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Bulloch Bank & Trust Company

Statesboro, GA · Cert 14215

FDIC

Q1 2001

$206.5MAssets
$151.4MLoans
$166.1MDeposits
$32.2MEquity
Loan mix
82%RE $69.6M17%C&I $14.7M0%Consumer $0.1MQ1 2000Q1 2001
Deposit mix
82%Interest-bearing $136.8M18%Noninterest $29.2MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 1.96%, down 17 bps year over year; NIM at 5.17%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 91.18% of deposits as of Q1 2001.

Financial Results

Return on Assets (YTD, annualized)

1.96%-17 bps YoY

Net Interest Margin (YTD, annualized)

5.17%

Efficiency Ratio (YTD, annualized)

50.59%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets2.13%0.12%0.67%1.02%1.96%-17 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a5.17%n/an/a
Efficiency Ration/an/an/an/a50.59%n/an/a
Non-Interest Burdenn/an/an/an/a2.11%n/an/a
Growth
Asset Growth (YoY)-10.50%-4.92%-7.01%-5.26%4.35%+1,484 bps
Loan Growth (YoY)6.90%5.51%7.88%2.12%3.01%-389 bps
Deposit Growth (YoY)-14.18%-11.22%-13.28%-7.70%4.80%+1,898 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.04%n/an/a
Allowance / Loansn/an/an/an/a2.14%n/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/a23.53%n/an/a
Equity / Assetsn/an/an/an/a15.60%n/an/a
Liquidity & Funding
Loans / Deposits92.76%96.42%103.43%95.32%91.18%-158 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%6.58%+658 bps
CRE / Total Capitaln/an/an/an/an/an/an/a