PackageTrendsPeer
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Community Bank&Trust Jackson

Commerce, GA · Cert 875

FDIC

Q3 2000

$139.7MAssets
$103.2MLoans
$125.4MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.99%, down 32 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 82.29% of deposits as of Q3 2000.

Return on Assets (YTD, annualized)

0.99%-32 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000YoY ΔTrend
Earnings
Return on Assets1.50%1.37%1.33%1.31%1.31%1.10%0.99%0.99%-32 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)40.97%43.09%34.06%19.54%11.31%12.16%10.90%10.29%-925 bps
Loan Growth (YoY)43.92%35.98%24.20%16.64%13.13%13.25%12.63%14.62%-202 bps
Deposit Growth (YoY)35.15%38.25%30.12%20.46%11.99%12.79%11.11%11.81%-865 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits80.53%79.17%80.56%80.27%81.35%79.50%81.66%82.29%+202 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a