PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

American Community Bank of Georgia

McDonough, GA · Cert 34523

FDIC

Q1 2002

$56.6MAssets
$41.7MLoans
$46.2MDeposits
$6.4MEquity
Deposit mix
87%Interest-bearing $40.1M13%Noninterest $6.1MQ1 2001Q1 2002

NIM

8.62%Q1 ’016.16%Q1 ’02-29%

Non-interest income vs. expense

3.98%Q1 ’013.18%Q1 ’02-20%

Executive Summary

  • Earnings: ROA of 0.08%, down 40 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 90.20% of deposits as of Q1 2002.

Financial Results

Return on Assets (YTD, annualized)

0.08%-40 bps YoY

Net Interest Margin (YTD, annualized)

2.90%-121 bps YoY

Efficiency Ratio (YTD, annualized)

92.29%+956 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2001Q2 2001Q3 2001Q4 2001Q1 2002YoY ΔTrend
Earnings
Return on Assets0.47%0.26%0.37%0.33%0.08%-40 bps
Return on Equityn/an/an/an/a0.69%n/an/a
Net Interest Margin4.12%3.58%3.49%3.22%2.90%-121 bps
Efficiency Ratio82.73%86.60%84.00%85.25%92.29%+956 bps
Non-Interest Burden3.29%3.01%2.82%2.64%2.64%-65 bps
Growth
Asset Growth (YoY)0.84%13.39%15.46%19.40%5.05%+420 bps
Loan Growth (YoY)31.62%34.39%24.70%18.58%17.75%-1,387 bps
Deposit Growth (YoY)-0.15%15.53%11.31%16.11%0.30%+46 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%-0.01%-0.01%0.00%0.00%0 bps
Allowance / Loans1.26%1.24%1.23%1.22%1.20%-6 bps
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 Capital15.24%14.32%14.93%15.22%14.90%-34 bps
Equity / Assets11.55%11.18%10.85%10.84%11.29%-26 bps
Liquidity & Funding
Loans / Deposits76.83%81.33%81.39%83.08%90.20%+1,337 bps
Liquid Assets / Assets0.36%8.86%12.57%9.30%4.78%+441 bps
CRE / Total Capitaln/an/an/an/an/an/an/a