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First State Bank of Donalsonville

Donalsonville, GA · Cert 29365

FDIC

Q3 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: Q3 2002, the quarter ended September 30, 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

First State Bank of Donalsonville

Donalsonville, GA · Cert 29365

FDIC

Q3 2002

$80.4MAssets
$57.8MLoans
$59.7MDeposits
$8.0MEquity
Loan mix
59%RE $20.9M40%C&I $14.2M1%Consumer $0.3MQ3 2001Q3 2002
Deposit mix
92%Interest-bearing $54.9M8%Noninterest $4.8MQ3 2001Q3 2002

NIM

7.95%Q1 ’018.01%Q3 ’016.26%Q3 ’02+0%+9%

Non-interest income vs. expense

2.47%Q1 ’012.60%Q3 ’012.93%Q3 ’02+2%+26%

Executive Summary

  • Earnings: ROA of 0.45%, up 4 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.26%.
  • Funding: loans stand at 96.83% of deposits as of Q3 2002.

Financial Results

Return on Assets (YTD, annualized)

0.45%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.16%+25 bps YoY

Efficiency Ratio (YTD, annualized)

81.06%+642 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 Assets0.41%0.24%0.71%0.61%0.45%+4 bps
Return on Equityn/an/a7.66%6.52%4.75%n/a
Net Interest Margin2.91%2.89%3.05%3.22%3.16%+25 bps
Efficiency Ratio74.64%76.64%74.51%75.13%81.06%+642 bps
Non-Interest Burden2.02%2.08%2.26%2.38%2.54%+52 bps
Growth
Asset Growth (YoY)-2.38%-2.27%-13.06%-8.86%-4.24%-186 bps
Loan Growth (YoY)-0.50%-2.40%2.95%8.34%5.64%+614 bps
Deposit Growth (YoY)-2.93%-3.22%-16.64%-11.49%-5.85%-292 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.23%0.76%0.14%0.28%0.26%+2 bps
Allowance / Loans1.52%1.34%1.23%1.12%1.08%-45 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 Capital13.98%13.95%13.62%13.45%13.62%-36 bps
Equity / Assets9.32%9.07%9.52%9.60%9.89%+58 bps
Liquidity & Funding
Loans / Deposits86.31%82.71%93.24%92.95%96.83%+1,053 bps
Liquid Assets / Assets0.11%0.03%0.10%0.06%0.04%-7 bps
CRE / Total Capitaln/an/an/an/an/an/an/a