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Century South Bank of the Coastal Region, N.A.

Savannah, GA · Cert 26213

FDIC

Q3 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: 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.

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

Century South Bank of the Coastal Region, N.A.

Savannah, GA · Cert 26213

FDIC

Q3 2001

$226.2MAssets
$172.0MLoans
$133.1MDeposits
$16.9MEquity
Loan mix
78%RE $47.9M22%C&I $13.3M0%Consumer $0.1MQ3 2000Q3 2001
Deposit mix
79%Interest-bearing $105.7M21%Noninterest $27.4MQ3 2000Q3 2001

NIM

8.32%Q1 ’018.08%Q2 ’017.34%Q3 ’01-2%-7%

Non-interest income vs. expense

3.36%Q1 ’014.08%Q2 ’013.48%Q3 ’01+130%-24%

Executive Summary

  • Earnings: ROA of -0.31%, down 197 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.29%.
  • Funding: loans stand at 129.26% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

-0.31%-197 bps YoY

Net Interest Margin (YTD, annualized)

3.98%

Efficiency Ratio (YTD, annualized)

101.04%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.67%1.64%1.11%-1.04%-0.31%-197 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a4.37%4.30%3.98%n/a
Efficiency Ration/an/a61.97%133.11%101.04%n/a
Non-Interest Burdenn/an/a2.31%5.32%4.02%n/a
Growth
Asset Growth (YoY)12.62%7.13%9.52%2.87%12.41%-20 bps
Loan Growth (YoY)19.48%15.76%10.10%5.93%8.18%-1,130 bps
Deposit Growth (YoY)11.44%-1.79%7.08%-2.77%-15.71%-2,716 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.09%0.02%0.29%n/a
Allowance / Loansn/an/a1.15%1.62%1.40%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/a12.34%10.57%10.54%n/a
Equity / Assetsn/an/a9.01%7.86%7.46%n/a
Liquidity & Funding
Loans / Deposits100.71%101.39%93.46%102.26%129.26%+2,855 bps
Liquid Assets / Assets0.00%0.00%0.17%0.14%0.12%+12 bps
CRE / Total Capitaln/an/an/an/an/an/an/a