PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First National Bank of Effingham

Springfield, GA · Cert 32719

FDIC

Q1 2001

$65.0MAssets
$48.5MLoans
$49.7MDeposits
$5.9MEquity
Deposit mix
86%Interest-bearing $42.8M14%Noninterest $6.9MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 1.50%, up 10 bps year over year; NIM at 4.50%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.18%.
  • Funding: loans stand at 97.52% of deposits as of Q1 2001.

Financial Results

Return on Assets (quarter, annualized)

1.50%+10 bps YoY

Net Interest Margin (quarter, annualized)

4.50%

Efficiency Ratio (quarter, annualized)

49.37%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets1.40%-0.23%0.28%0.68%1.50%+10 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.50%n/an/a
Efficiency Ration/an/an/an/a49.37%n/an/a
Non-Interest Burdenn/an/an/an/a1.78%n/an/a
Growth
Asset Growth (YoY)6.91%16.51%9.76%1.76%0.04%-688 bps
Loan Growth (YoY)14.36%15.58%8.26%7.49%1.74%-1,262 bps
Deposit Growth (YoY)-8.98%-2.45%-10.69%-11.48%-0.35%+863 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.18%n/an/a
Allowance / Loansn/an/an/an/a1.09%n/an/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/an/an/a13.24%n/an/a
Equity / Assetsn/an/an/an/a9.01%n/an/a
Liquidity & Funding
Loans / Deposits95.52%101.23%103.66%103.90%97.52%+200 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.19%+19 bps
CRE / Total Capitaln/an/an/an/an/an/an/a