PackageTrendsPeer
Letter portraitLegal landscape

Century South Bank of Lavonia

Lavonia, GA · Cert 27345

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 Lavonia

Lavonia, GA · Cert 27345

FDIC

Q3 2001

$55.2MAssets
$44.0MLoans
$35.8MDeposits
$4.8MEquity
Loan mix
92%RE $30.1M8%C&I $2.5M0%Consumer $0.0MQ3 2000Q3 2001
Deposit mix
86%Interest-bearing $30.9M14%Noninterest $4.9MQ3 2000Q3 2001

NIM

9.01%Q1 ’019.09%Q2 ’018.92%Q3 ’01+5%+2%

Non-interest income vs. expense

2.90%Q1 ’013.18%Q2 ’013.01%Q3 ’01+39%-13%

Executive Summary

  • Earnings: ROA of 1.17%, down 43 bps year over year; NIM at 5.16%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.61%.
  • Funding: loans stand at 122.81% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

1.17%-43 bps YoY

Net Interest Margin (YTD, annualized)

5.16%

Efficiency Ratio (YTD, annualized)

53.26%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.60%1.56%0.99%0.60%1.17%-43 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a4.82%5.06%5.16%n/a
Efficiency Ration/an/a51.54%59.51%53.26%n/a
Non-Interest Burdenn/an/a2.09%2.90%2.53%n/a
Growth
Asset Growth (YoY)10.97%4.99%7.58%-3.00%8.27%-270 bps
Loan Growth (YoY)13.64%15.41%9.54%2.12%3.63%-1,000 bps
Deposit Growth (YoY)17.57%-0.49%4.64%-1.30%-22.32%-3,989 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a1.20%0.92%0.61%n/a
Allowance / Loansn/an/a1.09%1.40%1.37%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/a14.49%14.33%14.32%n/a
Equity / Assetsn/an/a8.54%8.88%8.62%n/a
Liquidity & Funding
Loans / Deposits92.06%98.45%96.87%96.28%122.81%+3,076 bps
Liquid Assets / Assets0.00%0.00%3.54%0.09%0.09%+9 bps
CRE / Total Capitaln/an/an/an/an/an/an/a