PackageTrendsPeer
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Community First Bank

Carrollton, GA · Cert 27887

FDIC

Q1 2002

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: Q1 2002, the quarter ended March 31, 2002, 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

Community First Bank

Carrollton, GA · Cert 27887

FDIC

Q1 2002

$557.1MAssets
$347.4MLoans
$409.1MDeposits
$138.9MEquity
Loan mix
61%RE $160.3M38%C&I $99.6M1%Consumer $1.9MQ1 2001Q1 2002
Deposit mix
95%Interest-bearing $386.7M5%Noninterest $22.4MQ1 2001Q1 2002

NIM

8.54%Q1 ’015.09%Q1 ’02-39%

Non-interest income vs. expense

2.91%Q1 ’012.34%Q1 ’02-5%

Executive Summary

  • Earnings: ROA of 0.53%, down 82 bps year over year; NIM at 2.53%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.27%.
  • Funding: loans stand at 84.92% of deposits as of Q1 2002.

Financial Results

Return on Assets (YTD, annualized)

0.53%-82 bps YoY

Net Interest Margin (YTD, annualized)

2.53%-159 bps YoY

Efficiency Ratio (YTD, annualized)

65.07%+992 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2001Q2 2001Q3 2001Q4 2001Q1 2002YoY ΔTrend
Earnings
Return on Assets1.35%0.84%1.07%0.06%0.53%-82 bps
Return on Equityn/an/an/an/a2.18%n/an/a
Net Interest Margin4.12%3.50%3.25%0.22%2.53%-159 bps
Efficiency Ratio55.15%61.08%57.67%71.73%65.07%+992 bps
Non-Interest Burden1.76%1.77%1.52%0.14%1.67%-9 bps
Growth
Asset Growth (YoY)0.87%35.12%34.48%43.25%39.57%+3,870 bps
Loan Growth (YoY)3.06%36.03%29.31%16.59%9.72%+666 bps
Deposit Growth (YoY)4.23%39.50%39.83%33.87%28.68%+2,445 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.17%0.16%0.20%-0.13%0.27%+10 bps
Allowance / Loans1.23%1.35%1.35%2.54%2.56%+134 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 Capital11.34%11.58%12.48%8.90%11.40%+6 bps
Equity / Assets7.90%8.49%8.86%23.38%24.94%+1,704 bps
Liquidity & Funding
Loans / Deposits99.59%100.07%92.33%85.87%84.92%-1,467 bps
Liquid Assets / Assets0.25%0.66%0.89%0.27%0.29%+4 bps
CRE / Total Capitaln/an/an/an/an/an/an/a