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Bank of Adairsville

Adairsville, GA · Cert 866

FDIC

Q1 2001

$80.3MAssets
$57.1MLoans
$61.8MDeposits
$6.6MEquity
Loan mix
78%RE $19.7M22%C&I $5.7M0%Consumer $0.0MQ1 2000Q1 2001
Deposit mix
91%Interest-bearing $56.5M9%Noninterest $5.3MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 0.90%, up 47 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.21%.
  • Funding: loans stand at 92.39% of deposits as of Q1 2001.

Financial Results

Return on Assets (quarter, annualized)

0.90%+47 bps YoY

Net Interest Margin (quarter, annualized)

3.63%

Efficiency Ratio (quarter, annualized)

66.43%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.43%0.49%0.18%0.45%0.90%+47 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.63%n/an/a
Efficiency Ration/an/an/an/a66.43%n/an/a
Non-Interest Burdenn/an/an/an/a2.27%n/an/a
Growth
Asset Growth (YoY)123.87%65.54%19.15%4.26%0.28%-12,359 bps
Loan Growth (YoY)215%81.76%25.67%38.13%28.68%-18,615 bps
Deposit Growth (YoY)114.84%42.16%12.29%-14.68%-8.42%-12,326 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a-0.21%n/an/a
Allowance / Loansn/an/an/an/a2.89%n/an/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/an/an/a12.73%n/an/a
Equity / Assetsn/an/an/an/a8.19%n/an/a
Liquidity & Funding
Loans / Deposits65.75%72.74%69.08%97.24%92.39%+2,664 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.72%+72 bps
CRE / Total Capitaln/an/an/an/an/an/an/a