PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Century South Bank of Central Georgia, N.A.

Macon, GA · Cert 33733

FDIC

Q3 2001

$306.5MAssets
$159.7MLoans
$243.1MDeposits
$18.5MEquity
Loan mix
76%RE $55.6M24%C&I $17.3M0%Consumer $0.0MQ3 2000Q3 2001
Deposit mix
87%Interest-bearing $212.2M13%Noninterest $30.9MQ3 2000Q3 2001

NIM

8.64%Q1 ’017.14%Q2 ’017.10%Q3 ’01-27%+3%

Non-interest income vs. expense

3.47%Q1 ’014.39%Q2 ’012.76%Q3 ’01+110%-53%

Executive Summary

  • Earnings: ROA of 0.59%, down 75 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.34%.
  • Funding: loans stand at 65.69% of deposits as of Q3 2001.

Financial Results

Return on Assets (quarter, annualized)

0.59%-75 bps YoY

Net Interest Margin (quarter, annualized)

3.37%

Efficiency Ratio (quarter, annualized)

70.69%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.34%1.26%1.26%-1.35%0.59%-75 bps
Return on Equityn/an/an/a-20.26%9.53%n/a
Net Interest Marginn/an/a4.47%3.27%3.37%n/a
Efficiency Ration/an/a61.23%152.35%70.69%n/a
Non-Interest Burdenn/an/a2.27%4.78%2.23%n/a
Growth
Asset Growth (YoY)13.68%21.07%23.04%21.90%39.70%+2,603 bps
Loan Growth (YoY)10.28%8.80%12.47%9.18%-4.53%-1,482 bps
Deposit Growth (YoY)18.21%30.16%32.73%40.01%33.89%+1,568 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.12%0.01%0.34%n/a
Allowance / Loansn/an/a1.23%1.65%1.84%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/a11.17%10.87%11.56%n/a
Equity / Assetsn/an/a6.90%6.44%6.04%n/a
Liquidity & Funding
Loans / Deposits92.13%79.51%74.00%70.63%65.69%-2,644 bps
Liquid Assets / Assets0.00%0.00%9.26%0.03%0.03%+3 bps
CRE / Total Capitaln/an/an/an/an/an/an/a