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Eagle Bank and Trust

Statesboro, GA · Cert 33312

FDIC

Q4 2001

$95.9MAssets
$78.4MLoans
$82.5MDeposits
$7.4MEquity
Loan mix
69%RE $26.4M31%C&I $11.7M0%Consumer $0.1MQ4 2000Q4 2001
Deposit mix
88%Interest-bearing $73.0M12%Noninterest $9.5MQ4 2000Q4 2001

NIM

8.25%Q1 ’017.71%Q3 ’017.01%Q4 ’01+0%+8%

Non-interest income vs. expense

2.80%Q1 ’013.19%Q3 ’012.85%Q4 ’01-38%+24%

Executive Summary

  • Earnings: ROA of 0.12%, down 81 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.75%.
  • Funding: loans stand at 94.96% of deposits as of Q4 2001.

Financial Results

Return on Assets (quarter, annualized)

0.12%-81 bps YoY

Net Interest Margin (quarter, annualized)

3.78%

Efficiency Ratio (quarter, annualized)

55.72%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets0.94%0.94%0.57%1.59%0.12%-81 bps
Return on Equityn/an/a8.10%21.97%1.66%n/a
Net Interest Marginn/a3.49%3.43%3.51%3.78%n/a
Efficiency Ration/a64.49%78.92%58.25%55.72%n/a
Non-Interest Burdenn/a1.95%2.50%1.22%1.52%n/a
Growth
Asset Growth (YoY)13.08%22.57%12.23%5.61%1.16%-1,192 bps
Loan Growth (YoY)22.32%18.08%13.12%10.23%4.68%-1,764 bps
Deposit Growth (YoY)14.96%27.41%18.73%4.14%2.62%-1,234 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.04%-0.01%0.07%1.75%n/a
Allowance / Loansn/a1.25%1.26%1.24%1.40%n/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/a10.46%10.23%10.60%10.94%n/a
Equity / Assetsn/a6.90%7.25%7.20%7.75%n/a
Liquidity & Funding
Loans / Deposits93.09%90.07%93.57%95.72%94.96%+187 bps
Liquid Assets / Assets0.00%0.24%0.28%0.28%0.43%+43 bps
CRE / Total Capitaln/an/an/an/an/an/an/a