Dawsonville, GA · Cert 33369
FDIC
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 30, 2001, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Dawsonville, GA · Cert 33369
FDIC
Q3 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.17% | 1.15% | 1.00% | -0.07% | 0.32% | -85 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.03% | 3.86% | 3.73% | n/a | |
| Efficiency Ratio | n/a | n/a | 63.69% | 89.10% | 81.37% | n/a | |
| Non-Interest Burden | n/a | n/a | 2.16% | 3.44% | 2.98% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 3.41% | 6.97% | 8.55% | 24.56% | 13.12% | +971 bps | |
| Loan Growth (YoY) | 7.07% | 6.38% | 2.57% | 2.88% | -2.90% | -997 bps | |
| Deposit Growth (YoY) | 1.45% | -1.03% | 7.62% | 1.22% | 1.05% | -40 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | 0.31% | 0.12% | 0.15% | n/a | |
| Allowance / Loans | n/a | n/a | 1.40% | 1.89% | 1.94% | n/a | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | n/a | 12.49% | 12.84% | 14.57% | n/a | |
| Equity / Assets | n/a | n/a | 8.58% | 7.21% | 8.69% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.05% | 77.91% | 65.49% | 70.13% | 72.12% | -293 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 1.09% | 0.10% | 0.12% | +12 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |