PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First NB of West Point

West Point, GA · Cert 192

FDIC

Q4 2000

$152.6MAssets
$72.2MLoans
$111.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.31%, down 57 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 64.55% of deposits as of Q4 2000.

Return on Assets (YTD, annualized)

0.31%-57 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets0.87%0.97%0.98%0.89%-0.67%0.09%0.11%0.31%-57 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-6.30%0.61%3.09%17.23%6.16%4.42%13.42%0.90%-1,633 bps
Loan Growth (YoY)-4.04%7.22%8.78%6.05%4.19%1.11%-4.33%-3.84%-990 bps
Deposit Growth (YoY)-8.65%2.10%6.83%24.93%9.27%4.22%21.87%1.12%-2,381 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits74.76%77.23%81.35%67.87%71.28%74.93%63.86%64.55%-333 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a