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Appalachian Community Bank

Blairsville, GA · Cert 23684

FDIC

Q2 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2001, the quarter ended June 30, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Appalachian Community Bank

Blairsville, GA · Cert 23684

FDIC

Q2 2001

$83.9MAssets
$59.8MLoans
$66.1MDeposits
$8.7MEquity
Loan mix
61%RE $13.5M38%C&I $8.4M0%Consumer $0.0MQ2 2000Q2 2001
Deposit mix
94%Interest-bearing $61.9M6%Noninterest $4.2MQ2 2000Q2 2001

NIM

8.22%Q1 ’017.89%Q2 ’01-1%

Non-interest income vs. expense

2.69%Q1 ’012.61%Q2 ’01-6%

Executive Summary

  • Earnings: ROA of 0.66%, down 15 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.17%.
  • Funding: loans stand at 90.51% of deposits as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

0.66%-15 bps YoY

Net Interest Margin (YTD, annualized)

3.28%

Efficiency Ratio (YTD, annualized)

69.31%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets0.81%0.91%0.70%0.57%0.66%-15 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.31%3.28%n/a
Efficiency Ration/an/an/a71.71%69.31%n/a
Non-Interest Burdenn/an/an/a2.25%2.13%n/a
Growth
Asset Growth (YoY)32.65%34.35%22.29%25.85%8.60%-2,404 bps
Loan Growth (YoY)57.57%40.88%36.21%19.01%2.15%-5,542 bps
Deposit Growth (YoY)16.74%22.46%8.88%18.16%11.65%-509 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.10%0.17%n/a
Allowance / Loansn/an/an/a1.18%1.18%n/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/a11.20%11.48%n/a
Equity / Assetsn/an/an/a10.12%10.41%n/a
Liquidity & Funding
Loans / Deposits98.92%97.09%97.88%88.56%90.51%-841 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a