Dexter, GA · Cert 19688
FDIC
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 30, 2001, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Dexter, GA · Cert 19688
FDIC
Q3 2001
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 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.26% | 0.43% | 0.52% | 0.51% | 19.61% | 13.02% | 10.22% | +970 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 3.80% | 13.66% | 11.29% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 15.35% | 18.77% | 22.33% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | -26.83% | -86.67% | -68.00% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.81% | -9.31% | -1.85% | -3.77% | -4.68% | -87.10% | -90.92% | -91.47% | -8,770 bps | |
| Loan Growth (YoY) | 8.72% | 10.77% | 19.20% | 18.64% | 6.01% | -100.00% | -100.00% | -100.00% | -11,864 bps | |
| Deposit Growth (YoY) | -12.58% | -8.59% | 1.22% | -1.08% | -1.87% | -100.00% | -100.00% | -100.00% | -9,892 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | 1.05% | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | n/a | n/a | n/a | n/a | n/a | 332% | 1386% | 3379% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 84.09% | 78.37% | 80.25% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.12% | 74.76% | 78.23% | 79.42% | 72.51% | n/a | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 36.07% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |