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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 ’014.37%Q2 ’02-6%+7%

Non-interest income vs. expense

8.87%Q1 ’018.03%Q2 ’0123.70%Q2 ’02-18%+582%

Executive Summary

  • Earnings: ROA of -20.45%, down 2,074 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.33%.
  • Funding: loans stand at 66.19% of deposits as of Q2 2002.

Financial Results

Return on Assets (quarter, annualized)

-20.45%-2,074 bps YoY

Net Interest Margin (quarter, annualized)

3.16%+22 bps YoY

Efficiency Ratio (quarter, annualized)

1975%+186,325 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets0.29%0.32%1-3.25%-0.19%-20.45%-2,074 bps
Return on Equity3.53%4.00%-42.72%-2.61%-361%-36,502 bps
Net Interest Margin2.94%2.49%2.02%3.02%3.16%+22 bps
Efficiency Ratio111.38%98.65%198.62%103.98%1975%+186,325 bps
Non-Interest Burden3.76%2.39%8.37%3.33%25.66%+2,190 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-2.61%-0.19%4.19%-1.69%1.33%+394 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