Ellijay, GA · Cert 5688
FDIC
Q3 2001
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Ellijay, GA · Cert 5688
FDIC
Q3 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.07% | 1.21% | 1.23% | 1.10% | 0.82% | -2.28% | -0.98% | -221 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 3.87% | 3.75% | 3.57% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 65.88% | 223% | 136.57% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | 2.28% | 6.80% | 4.66% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.02% | 2.24% | 2.65% | 9.36% | 4.83% | 1.24% | -1.09% | -6.96% | -1,633 bps | |
| Loan Growth (YoY) | 2.83% | 5.27% | 7.26% | 1.46% | -3.57% | -13.84% | -15.62% | -16.23% | -1,769 bps | |
| Deposit Growth (YoY) | -4.11% | 1.07% | -0.92% | 3.84% | 7.60% | 3.47% | 3.54% | -1.58% | -542 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | 1.08% | 0.84% | 1.01% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 2.28% | 2.77% | 2.53% | n/a | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 15.59% | 13.53% | 14.64% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 9.17% | 7.86% | 8.30% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.51% | 81.37% | 82.25% | 76.22% | 73.05% | 67.76% | 67.03% | 64.87% | -1,135 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.21% | 0.02% | 0.02% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |