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Metter Banking Company

Metter, GA · Cert 15292

FDIC

Q1 2001

$114.0MAssets
$96.9MLoans
$87.5MDeposits
$13.9MEquity
Deposit mix
91%Interest-bearing $79.8M9%Noninterest $7.7MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 2.33%, up 48 bps year over year; NIM at 4.50%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 110.79% of deposits as of Q1 2001.

Financial Results

Return on Assets (quarter, annualized)

2.33%+48 bps YoY

Net Interest Margin (quarter, annualized)

4.50%

Efficiency Ratio (quarter, annualized)

44.39%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets1.84%0.42%0.86%1.15%2.33%+48 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.50%n/an/a
Efficiency Ration/an/an/an/a44.39%n/an/a
Non-Interest Burdenn/an/an/an/a1.49%n/an/a
Growth
Asset Growth (YoY)-0.05%5.03%3.54%5.46%7.68%+773 bps
Loan Growth (YoY)9.39%12.78%15.42%20.76%19.85%+1,047 bps
Deposit Growth (YoY)-1.85%3.79%2.50%8.03%8.36%+1,021 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.01%n/an/a
Allowance / Loansn/an/an/an/a1.85%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/a13.40%n/an/a
Equity / Assetsn/an/an/an/a12.24%n/an/a
Liquidity & Funding
Loans / Deposits100.16%100.83%106.13%108.40%110.79%+1,063 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%5.14%+514 bps
CRE / Total Capitaln/an/an/an/an/an/an/a