Century South Bank of Dawsonville

Dawsonville, GA · Cert 33369

FDIC

Q3 2001

$82.8MAssets

$47.6MLoans

$66.0MDeposits

$7.2MEquity

Loan mix

Deposit mix

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.

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.

Metric	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	YoY Δ	Trend
Earnings
Return on Assets	0.98%	1.02%	1.09%	1.17%	1.15%	1.00%	-1.03%	1.04%	-13 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	-13.09%	13.16%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	4.03%	3.89%	3.52%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	63.69%	135.92%	68.61%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	2.16%	4.84%	2.09%	n/a
Growth
Asset Growth (YoY)	-0.01%	0.87%	0.29%	3.41%	6.97%	8.55%	24.56%	13.12%	+971 bps
Loan Growth (YoY)	7.77%	6.25%	10.20%	7.07%	6.38%	2.57%	2.88%	-2.90%	-997 bps
Deposit Growth (YoY)	-0.30%	0.88%	-0.16%	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%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	0.31%	-0.07%	0.21%	n/a
Allowance / Loans	n/a	n/a	n/a	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	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	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	12.49%	12.84%	14.57%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	8.58%	7.21%	8.69%	n/a
Liquidity & Funding
Loans / Deposits	72.48%	68.72%	69.00%	75.05%	77.91%	65.49%	70.13%	72.12%	-293 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	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	n/a	n/a	n/a