PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Knight State Bank

Dexter, GA · Cert 19688

FDIC

Q3 2001

$2.4MAssets
n/aLoans
n/aDeposits
$1.9MEquity

Executive Summary

  • Earnings: ROA of 10.22%, up 970 bps year over year; NIM at 11.29%.

Return on Assets (YTD, annualized)

10.22%+970 bps YoY

Net Interest Margin (YTD, annualized)

11.29%

Efficiency Ratio (YTD, annualized)

22.33%

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.85%Q1 ’0127.45%Q2 ’0122.68%Q3 ’01+259%-17%

Non-interest income vs. expense

5.56%Q1 ’0123.18%Q2 ’0122.79%Q3 ’01-223%+22%

Year to date, annualized, through each quarter.

MetricQ4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets0.52%0.26%0.43%0.52%0.51%19.61%13.02%10.22%+970 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a3.80%13.66%11.29%n/a
Efficiency Ration/an/an/an/an/a15.35%18.77%22.33%n/a
Non-Interest Burdenn/an/an/an/an/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 / Loans0.00%0.00%0.00%0.00%0.00%n/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/a1.05%n/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/a332%1386%3379%n/a
Equity / Assetsn/an/an/an/an/a84.09%78.37%80.25%n/a
Liquidity & Funding
Loans / Deposits67.12%74.76%78.23%79.42%72.51%n/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%36.07%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a