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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 ’017.87%Q2 ’01+2%

Non-interest income vs. expense

2.69%Q1 ’012.63%Q2 ’01-8%

Executive Summary

  • Earnings: ROA of 0.74%, down 8 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.24%.
  • Funding: loans stand at 90.51% of deposits as of Q2 2001.

Financial Results

Return on Assets (quarter, annualized)

0.74%-8 bps YoY

Net Interest Margin (quarter, annualized)

3.37%

Efficiency Ratio (quarter, annualized)

67.11%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets0.81%0.91%0.70%0.57%0.74%-8 bps
Return on Equityn/an/an/an/a7.20%n/an/a
Net Interest Marginn/an/an/a3.31%3.37%n/a
Efficiency Ration/an/an/a71.71%67.11%n/a
Non-Interest Burdenn/an/an/a2.25%2.08%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%0.24%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