PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Century South Bank of Ellijay

Ellijay, GA · Cert 5688

FDIC

Q3 2001

$88.1MAssets
$51.4MLoans
$79.2MDeposits
$7.3MEquity
Loan mix
78%RE $26.0M22%C&I $7.2M0%Consumer $0.0MQ3 2000Q3 2001
Deposit mix
92%Interest-bearing $72.9M8%Noninterest $6.3MQ3 2000Q3 2001

NIM

7.95%Q1 ’017.73%Q2 ’017.34%Q3 ’01-3%-5%

Non-interest income vs. expense

3.05%Q1 ’015.53%Q2 ’014.09%Q3 ’01+198%-31%

Executive Summary

  • Earnings: ROA of -0.98%, down 221 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.01%.
  • Funding: loans stand at 64.87% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

-0.98%-221 bps YoY

Net Interest Margin (YTD, annualized)

3.57%

Efficiency Ratio (YTD, annualized)

136.57%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.23%1.10%0.82%-2.28%-0.98%-221 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a3.87%3.75%3.57%n/a
Efficiency Ration/an/a65.88%223%136.57%n/a
Non-Interest Burdenn/an/a2.28%6.80%4.66%n/a
Growth
Asset Growth (YoY)9.36%4.83%1.24%-1.09%-6.96%-1,633 bps
Loan Growth (YoY)1.46%-3.57%-13.84%-15.62%-16.23%-1,769 bps
Deposit Growth (YoY)3.84%7.60%3.47%3.54%-1.58%-542 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a1.08%0.84%1.01%n/a
Allowance / Loansn/an/a2.28%2.77%2.53%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/a15.59%13.53%14.64%n/a
Equity / Assetsn/an/a9.17%7.86%8.30%n/a
Liquidity & Funding
Loans / Deposits76.22%73.05%67.76%67.03%64.87%-1,135 bps
Liquid Assets / Assets0.00%0.00%2.21%0.02%0.02%+2 bps
CRE / Total Capitaln/an/an/an/an/an/an/a