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Century South Bank of Polk County

Copperhill, TN · Cert 33903

FDIC

Q3 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2001, the quarter ended September 30, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Century South Bank of Polk County

Copperhill, TN · Cert 33903

FDIC

Q3 2001

$92.0MAssets
$73.1MLoans
$77.7MDeposits
$9.2MEquity
Loan mix
93%RE $44.0M7%C&I $3.4M0%Consumer $0.0MQ3 2000Q3 2001
Deposit mix
90%Interest-bearing $69.7M10%Noninterest $8.0MQ3 2000Q3 2001

NIM

9.77%Q1 ’019.42%Q2 ’019.14%Q3 ’01-4%0%

Non-interest income vs. expense

3.50%Q1 ’013.80%Q2 ’013.56%Q3 ’01+28%-10%

Executive Summary

  • Earnings: ROA of 0.98%, down 51 bps year over year; NIM at 5.02%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.70%.
  • Funding: loans stand at 94.08% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

0.98%-51 bps YoY

Net Interest Margin (YTD, annualized)

5.02%

Efficiency Ratio (YTD, annualized)

63.24%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.48%1.04%1.50%0.59%0.98%-51 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a5.24%5.04%5.02%n/a
Efficiency Ration/an/a56.60%68.22%63.24%n/a
Non-Interest Burdenn/an/a2.56%3.27%2.95%n/a
Growth
Asset Growth (YoY)1.77%-4.01%-4.81%-1.42%-5.00%-678 bps
Loan Growth (YoY)2.75%-0.10%-1.66%-1.62%-7.14%-989 bps
Deposit Growth (YoY)-3.51%-7.40%-3.78%-2.17%-4.50%-99 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.80%0.68%0.70%n/a
Allowance / Loansn/an/a2.19%2.49%2.51%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/a14.94%15.81%17.00%n/a
Equity / Assetsn/an/a9.54%9.48%9.96%n/a
Liquidity & Funding
Loans / Deposits96.75%94.75%93.66%94.73%94.08%-267 bps
Liquid Assets / Assets0.00%0.00%2.61%0.03%0.03%+3 bps
CRE / Total Capitaln/an/an/an/an/an/an/a