PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Amtrade International Bank of Georgia

Atlanta, GA · Cert 33784

FDIC

Q2 2002

$92.1MAssets
$48.5MLoans
$73.2MDeposits
$3.6MEquity
Deposit mix
64%Interest-bearing $46.9M36%Noninterest $26.3MQ2 2001Q2 2002

NIM

6.87%Q1 ’016.48%Q2 ’014.60%Q2 ’02-6%+8%

Non-interest income vs. expense

8.87%Q1 ’018.20%Q2 ’0116.06%Q2 ’02-12%+260%

Executive Summary

  • Earnings: ROA of -9.85%, down 959 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.20%.
  • Funding: loans stand at 66.19% of deposits as of Q2 2002.

Financial Results

Return on Assets (YTD, annualized)

-9.85%-959 bps YoY

Net Interest Margin (YTD, annualized)

3.19%+24 bps YoY

Efficiency Ratio (YTD, annualized)

345%+22,990 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets-0.26%-0.05%-0.90%-0.19%-9.85%-959 bps
Return on Equityn/an/an/a-2.61%-157.72%n/a
Net Interest Margin2.95%2.66%2.46%3.02%3.19%+24 bps
Efficiency Ratio115.48%109.57%131.28%103.98%345%+22,990 bps
Non-Interest Burden4.05%3.31%4.53%3.33%14.60%+1,055 bps
Growth
Asset Growth (YoY)12.74%30.39%19.46%3.90%-27.33%-4,007 bps
Loan Growth (YoY)34.02%35.35%-4.71%-25.35%-29.51%-6,353 bps
Deposit Growth (YoY)62.66%83.19%31.40%21.98%-19.38%-8,204 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-1.46%-1.00%0.13%-1.69%-0.20%+126 bps
Allowance / Loansn/an/an/an/an/an/an/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 Capital23.54%23.24%33.08%34.86%17.61%-593 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits75.70%76.63%69.15%51.57%66.19%-951 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a