PackageTrendsPeer
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First Clayton Bank and Trust Company

Clayton, GA · Cert 32837

FDIC

Q3 2002

$141.2MAssets
$119.0MLoans
$109.6MDeposits
$12.2MEquity
Loan mix
93%RE $64.5M7%C&I $5.0M0%Consumer $0.2MQ4 2000Q3 2002
Deposit mix
90%Interest-bearing $98.4M10%Noninterest $11.2MQ4 2000Q3 2002

Executive Summary

  • Earnings: ROA of 0.73%, down 45 bps year over year; NIM at 4.24%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.59%.
  • Funding: loans stand at 108.63% of deposits as of Q3 2002.

Return on Assets (YTD, annualized)

0.73%-45 bps YoY

Net Interest Margin (YTD, annualized)

4.24%-4 bps YoY

Efficiency Ratio (YTD, annualized)

57.59%+195 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

8.96%Q1 ’019.08%Q3 ’017.12%Q3 ’02+14%-1%

Non-interest income vs. expense

2.45%Q1 ’012.70%Q3 ’012.80%Q3 ’02+9%+2%

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets0.98%1.05%1.17%1.18%1.08%1.28%0.61%0.73%-45 bps
Return on Equityn/an/an/an/an/a15.50%7.42%8.75%n/a
Net Interest Marginn/a3.76%4.21%4.29%4.35%4.38%4.28%4.24%-4 bps
Efficiency Ration/a57.65%56.53%55.63%55.53%54.50%56.56%57.59%+195 bps
Non-Interest Burdenn/a1.96%2.13%2.13%2.17%2.14%2.14%2.18%+4 bps
Growth
Asset Growth (YoY)8.52%7.93%-5.53%-10.21%-5.95%-7.69%0.59%-0.78%+944 bps
Loan Growth (YoY)19.87%11.42%7.09%2.80%-0.30%3.60%7.89%4.30%+151 bps
Deposit Growth (YoY)7.53%3.97%-10.30%-15.08%-13.71%-9.00%3.94%10.72%+2,581 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.18%0.25%0.32%0.33%0.35%0.66%0.59%+27 bps
Allowance / Loansn/a1.38%1.37%1.40%1.65%1.63%1.93%2.00%+60 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/a12.28%12.55%12.66%12.94%12.51%12.21%12.91%+24 bps
Equity / Assetsn/a7.43%8.40%8.31%8.33%8.13%8.19%8.62%+31 bps
Liquidity & Funding
Loans / Deposits97.74%100.09%110.65%115.32%112.93%113.94%114.85%108.63%-669 bps
Liquid Assets / Assets0.00%0.81%0.24%0.72%0.70%0.94%0.12%1.00%+28 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a