PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Floyd Bank

Rome, GA · Cert 19713

FDIC

Q1 2001

$160.7MAssets
$108.5MLoans
$136.3MDeposits
$10.2MEquity
Loan mix
72%RE $34.5M28%C&I $13.1M0%Consumer $0.1MQ1 2000Q1 2001
Deposit mix
85%Interest-bearing $115.7M15%Noninterest $20.6MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of -0.17%, down 114 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.23%.
  • Funding: loans stand at 79.64% of deposits as of Q1 2001.

Financial Results

Return on Assets (YTD, annualized)

-0.17%-114 bps YoY

Net Interest Margin (YTD, annualized)

3.80%

Efficiency Ratio (YTD, annualized)

84.58%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.97%1.01%1.04%0.95%-0.17%-114 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.80%n/an/a
Efficiency Ration/an/an/an/a84.58%n/an/a
Non-Interest Burdenn/an/an/an/a3.09%n/an/a
Growth
Asset Growth (YoY)35.51%43.33%34.11%24.97%27.36%-815 bps
Loan Growth (YoY)28.89%31.35%31.11%28.33%28.70%-19 bps
Deposit Growth (YoY)34.27%43.34%29.64%28.68%38.24%+397 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a2.23%n/an/a
Allowance / Loansn/an/an/an/a1.26%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/a10.28%n/an/a
Equity / Assetsn/an/an/an/a6.35%n/an/a
Liquidity & Funding
Loans / Deposits85.55%81.47%78.21%83.20%79.64%-591 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.01%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a