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Century South Bank of Northeast Georgia, N.A.

Gainesville, GA · Cert 26503

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 Northeast Georgia, N.A.

Gainesville, GA · Cert 26503

FDIC

Q3 2001

$510.1MAssets
$318.0MLoans
$247.9MDeposits
$32.7MEquity
Loan mix
71%RE $75.0M29%C&I $30.4M0%Consumer $0.3MQ4 1999Q3 2001
Deposit mix
82%Interest-bearing $203.8M18%Noninterest $44.1MQ4 1999Q3 2001

Executive Summary

  • Earnings: ROA of 0.30%, down 136 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.25%.
  • Funding: loans stand at 128.31% of deposits as of Q3 2001.

Return on Assets (YTD, annualized)

0.30%-136 bps YoY

Net Interest Margin (YTD, annualized)

3.70%

Efficiency Ratio (YTD, annualized)

83.56%

Tier 1 Leverage Ratio

n/a
n/a

NIM

8.84%Q1 ’018.57%Q2 ’017.03%Q3 ’01-2%-17%

Non-interest income vs. expense

3.35%Q1 ’014.80%Q2 ’013.47%Q3 ’01+95%-32%

Year to date, annualized, through each quarter.

MetricQ4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.19%1.40%1.62%1.66%1.58%1.35%-0.35%0.30%-136 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a4.53%4.46%3.70%n/a
Efficiency Ration/an/an/an/an/a59.73%99.46%83.56%n/a
Non-Interest Burdenn/an/an/an/an/a2.27%4.44%3.01%n/a
Growth
Asset Growth (YoY)57.81%18.37%83.93%83.77%76.26%72.91%18.10%43.43%-4,034 bps
Loan Growth (YoY)70.63%18.29%76.32%71.18%77.81%80.18%23.44%15.67%-5,551 bps
Deposit Growth (YoY)59.41%14.42%66.14%61.14%36.44%50.89%-6.55%-10.35%-7,149 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/a0.42%0.22%0.25%n/a
Allowance / Loansn/an/an/an/an/a1.19%1.57%1.56%n/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/a11.43%10.29%10.46%n/a
Equity / Assetsn/an/an/an/an/a8.71%7.59%6.41%n/a
Liquidity & Funding
Loans / Deposits85.68%89.71%93.63%99.45%111.66%107.13%123.67%128.31%+2,886 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.83%0.03%0.03%+3 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a