PackageTrendsPeer
Letter portraitLegal landscape

First National Bank Ofjohns Creek

Suwanee, GA · Cert 35089

FDIC

Q3 2002

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 2002, the quarter ended September 30, 2002, 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

First National Bank Ofjohns Creek

Suwanee, GA · Cert 35089

FDIC

Q3 2002

$106.8MAssets
$83.5MLoans
$92.5MDeposits
$9.8MEquity
Loan mix
39%RE $7.8M61%C&I $12.4M0%Consumer $0.0MQ3 2001Q3 2002
Deposit mix
96%Interest-bearing $88.6M4%Noninterest $4.0MQ3 2001Q3 2002

NIM

8.48%Q1 ’016.93%Q3 ’015.78%Q3 ’02-14%-7%

Non-interest income vs. expense

3.45%Q1 ’012.90%Q3 ’012.45%Q3 ’02-17%-19%

Executive Summary

  • Earnings: ROA of 0.49%, up 19 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 90.19% of deposits as of Q3 2002.

Financial Results

Return on Assets (YTD, annualized)

0.49%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.01%-22 bps YoY

Efficiency Ratio (YTD, annualized)

71.85%-879 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets0.30%10.77%0.36%0.41%0.49%+19 bps
Return on Equityn/an/a3.15%3.82%4.75%n/a
Net Interest Margin3.23%2.94%3.42%3.19%3.01%-22 bps
Efficiency Ratio80.64%78.87%73.12%72.71%71.85%-879 bps
Non-Interest Burden2.54%2.22%2.44%2.21%2.05%-49 bps
Growth
Asset Growth (YoY)77.45%66.47%71.93%55.73%47.66%-2,978 bps
Loan Growth (YoY)110.59%111.37%101.13%69.85%51.74%-5,885 bps
Deposit Growth (YoY)91.96%80.08%86.76%62.75%52.18%-3,978 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.25%1.25%1.25%1.25%1.22%-3 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 Capital15.59%14.47%13.05%11.88%11.41%-418 bps
Equity / Assets12.55%12.10%10.62%9.55%9.14%-341 bps
Liquidity & Funding
Loans / Deposits90.45%98.17%94.88%92.66%90.19%-26 bps
Liquid Assets / Assets1.03%0.32%0.28%0.25%0.23%-80 bps
CRE / Total Capitaln/an/an/an/an/an/an/a