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Embry National Bank

Lawrenceville, GA · Cert 27124

FDIC

Q3 2002

$118.5MAssets
$75.7MLoans
$108.1MDeposits
$9.9MEquity
Deposit mix
83%Interest-bearing $90.2M17%Noninterest $18.0MQ3 2001Q3 2002

NIM

7.57%Q1 ’016.96%Q3 ’015.52%Q3 ’02-7%-1%

Non-interest income vs. expense

4.37%Q1 ’014.20%Q3 ’014.04%Q3 ’02-5%-8%

Executive Summary

  • Earnings: ROA of 0.34%, up 122 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 70.01% of deposits as of Q3 2002.

Financial Results

Return on Assets (YTD, annualized)

0.34%+122 bps YoY

Net Interest Margin (YTD, annualized)

3.86%-3 bps YoY

Efficiency Ratio (YTD, annualized)

97.20%-700 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets-0.87%-0.90%0.14%0.32%0.34%+122 bps
Return on Equityn/an/a1.70%3.98%4.20%n/a
Net Interest Margin3.89%3.77%3.86%3.97%3.86%-3 bps
Efficiency Ratio104.20%110.55%96.37%92.17%97.20%-700 bps
Non-Interest Burden4.06%4.15%3.71%3.64%3.74%-32 bps
Growth
Asset Growth (YoY)6.11%10.96%7.45%13.22%15.99%+988 bps
Loan Growth (YoY)9.05%33.18%19.32%27.83%30.95%+2,190 bps
Deposit Growth (YoY)7.11%12.91%8.36%16.03%18.07%+1,096 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.02%-0.01%-0.01%0.00%+2 bps
Allowance / Loans2.90%2.62%2.56%2.38%2.22%-68 bps
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 Capital13.50%11.46%10.93%10.73%10.64%-286 bps
Equity / Assets9.12%8.06%8.16%8.22%8.32%-80 bps
Liquidity & Funding
Loans / Deposits63.12%63.62%65.95%69.79%70.01%+689 bps
Liquid Assets / Assets18.53%18.86%19.13%15.11%0.00%-1,853 bps
CRE / Total Capitaln/an/an/an/an/an/an/a