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Century South Bank of Fannin County, N.A.

Blue Ridge, GA · Cert 4927

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 Fannin County, N.A.

Blue Ridge, GA · Cert 4927

FDIC

Q3 2001

$88.6MAssets
$42.0MLoans
$79.6MDeposits
$8.4MEquity
Loan mix
86%RE $24.0M13%C&I $3.7M1%Consumer $0.3MQ3 2000Q3 2001
Deposit mix
90%Interest-bearing $71.9M10%Noninterest $7.7MQ3 2000Q3 2001

NIM

7.80%Q1 ’017.43%Q2 ’017.28%Q3 ’01-4%+0%

Non-interest income vs. expense

2.70%Q1 ’013.00%Q2 ’013.11%Q3 ’01+30%-1%

Executive Summary

  • Earnings: ROA of 0.62%, down 52 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.55%.
  • Funding: loans stand at 52.80% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

0.62%-52 bps YoY

Net Interest Margin (YTD, annualized)

3.66%

Efficiency Ratio (YTD, annualized)

72.26%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.15%0.82%1.06%0.57%0.62%-52 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a3.80%3.66%3.66%n/a
Efficiency Ration/an/a58.95%71.95%72.26%n/a
Non-Interest Burdenn/an/a1.92%2.49%2.47%n/a
Growth
Asset Growth (YoY)21.03%18.03%16.38%8.16%-5.83%-2,686 bps
Loan Growth (YoY)1.86%-3.47%-6.51%-14.49%-16.58%-1,845 bps
Deposit Growth (YoY)3.47%8.09%9.01%9.20%10.58%+711 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.83%0.69%0.55%n/a
Allowance / Loansn/an/a1.99%2.26%2.82%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/a16.13%16.55%18.56%n/a
Equity / Assetsn/an/a8.65%9.15%9.52%n/a
Liquidity & Funding
Loans / Deposits69.99%63.32%60.25%56.78%52.80%-1,719 bps
Liquid Assets / Assets0.00%0.00%12.65%0.18%0.17%+17 bps
CRE / Total Capitaln/an/an/an/an/an/an/a