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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 ’017.45%Q3 ’016.17%Q3 ’02-6%-10%

Non-interest income vs. expense

3.45%Q1 ’013.12%Q3 ’012.59%Q3 ’02-12%-22%

Executive Summary

  • Earnings: ROA of 0.62%, up 28 bps year over year; NIM at 3.19%.
  • 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 (quarter, annualized)

0.62%+28 bps YoY

Net Interest Margin (quarter, annualized)

3.19%-34 bps YoY

Efficiency Ratio (quarter, annualized)

70.33%-860 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets0.34%1.86%0.36%0.45%0.62%+28 bps
Return on Equity2.57%15.11%3.15%4.49%6.60%+403 bps
Net Interest Margin3.53%3.13%3.42%3.36%3.19%-34 bps
Efficiency Ratio78.93%74.67%73.12%72.37%70.33%-860 bps
Non-Interest Burden2.70%2.11%2.44%2.28%2.10%-60 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