PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Century South Bank of Dawsonville

Dawsonville, GA · Cert 33369

FDIC

Q3 2001

$82.8MAssets
$47.6MLoans
$66.0MDeposits
$7.2MEquity
Loan mix
62%RE $12.5M37%C&I $7.5M0%Consumer $0.1MQ3 2000Q3 2001
Deposit mix
90%Interest-bearing $59.5M10%Noninterest $6.5MQ3 2000Q3 2001

NIM

8.24%Q1 ’017.75%Q2 ’017.22%Q3 ’01-4%-10%

Non-interest income vs. expense

3.28%Q1 ’013.60%Q2 ’013.11%Q3 ’01+124%-57%

Executive Summary

  • Earnings: ROA of 1.04%, down 13 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.21%.
  • Funding: loans stand at 72.12% of deposits as of Q3 2001.

Financial Results

Return on Assets (quarter, annualized)

1.04%-13 bps YoY

Net Interest Margin (quarter, annualized)

3.52%

Efficiency Ratio (quarter, annualized)

68.61%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.17%1.15%1.00%-1.03%1.04%-13 bps
Return on Equityn/an/an/a-13.09%13.16%n/a
Net Interest Marginn/an/a4.03%3.89%3.52%n/a
Efficiency Ration/an/a63.69%135.92%68.61%n/a
Non-Interest Burdenn/an/a2.16%4.84%2.09%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 / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.31%-0.07%0.21%n/a
Allowance / Loansn/an/a1.40%1.89%1.94%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/an/a12.49%12.84%14.57%n/a
Equity / Assetsn/an/a8.58%7.21%8.69%n/a
Liquidity & Funding
Loans / Deposits75.05%77.91%65.49%70.13%72.12%-293 bps
Liquid Assets / Assets0.00%0.00%1.09%0.10%0.12%+12 bps
CRE / Total Capitaln/an/an/an/an/an/an/a