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Wayne National Bank

Jesup, GA · Cert 33147

FDIC

Q1 2001

$57.6MAssets
$47.6MLoans
$45.5MDeposits
$8.2MEquity
Loan mix
63%RE $11.6M36%C&I $6.6M1%Consumer $0.2MQ1 2000Q1 2001
Deposit mix
82%Interest-bearing $37.4M18%Noninterest $8.1MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 2.68%, up 21 bps year over year; NIM at 5.70%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.80%.
  • Funding: loans stand at 104.55% of deposits as of Q1 2001.

Financial Results

Return on Assets (quarter, annualized)

2.68%+21 bps YoY

Net Interest Margin (quarter, annualized)

5.70%

Efficiency Ratio (quarter, annualized)

44.83%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets2.47%0.43%1.19%1.59%2.68%+21 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a5.70%n/an/a
Efficiency Ration/an/an/an/a44.83%n/an/a
Non-Interest Burdenn/an/an/an/a2.00%n/an/a
Growth
Asset Growth (YoY)12.08%14.58%15.73%13.11%5.85%-623 bps
Loan Growth (YoY)21.40%17.73%21.22%17.41%13.58%-782 bps
Deposit Growth (YoY)5.02%11.25%12.48%9.34%3.97%-104 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.80%n/an/a
Allowance / Loansn/an/an/an/a1.89%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/a19.39%n/an/a
Equity / Assetsn/an/an/an/a14.19%n/an/a
Liquidity & Funding
Loans / Deposits95.71%98.66%102.98%101.36%104.55%+884 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.04%+4 bps
CRE / Total Capitaln/an/an/an/an/an/an/a