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Woodbury Banking Company, The

Woodbury, GA · Cert 11297

FDIC · 1 branch

Q2 2016

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: Q2 2016, the quarter ended June 30, 2016, 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

Woodbury Banking Company, The

Woodbury, GA · Cert 11297

FDIC · 1 branch

Q2 2016

$21.4MAssets
$9.3MLoans
$21.1MDeposits
$221KEquity
Loan mix
73%RE $5.4M15%C&I $1.1M12%Consumer $0.9MQ2 2015Q2 2016
Deposit mix
76%Interest-bearing $16.0M24%Noninterest $5.1MQ2 2015Q2 2016

NIM

4.59%Q2 ’143.89%Q2 ’153.23%Q2 ’16-18%-19%

Non-interest income vs. expense

4.40%Q2 ’144.22%Q2 ’155.02%Q2 ’16+17%+28%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2016 SOD (annual) · 0.0% share · #80 of 91 inst. · $0.0B of $156.2B

Executive Summary

  • Earnings: ROA of -4.51%, down 261 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.88%.
  • Capital: tier 1 leverage ratio of 0.82%, down 437 bps from a year ago.
  • Funding: loans stand at 44.09% of deposits as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

-4.51%-261 bps YoY

Net Interest Margin (YTD, annualized)

2.82%-65 bps YoY

Efficiency Ratio (YTD, annualized)

562%+37,610 bps YoY

Tier 1 Leverage Ratio

0.82%-437 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets-1.90%-1.68%-3.33%-0.57%-4.51%-261 bps
Return on Equity-34.55%-31.62%-68.83%-19.53%-195.43%-16,088 bps
Net Interest Margin3.47%3.26%3.08%2.90%2.82%-65 bps
Efficiency Ratio185.66%164.44%168.20%126.02%562%+37,610 bps
Non-Interest Burden5.42%4.94%4.90%3.79%6.95%+153 bps
Growth
Asset Growth (YoY)3.98%3.42%-2.64%-4.21%-9.88%-1,387 bps
Loan Growth (YoY)-0.16%-13.85%-27.87%-31.06%-36.14%-3,598 bps
Deposit Growth (YoY)5.61%5.10%0.63%-1.68%-6.25%-1,186 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.07%-0.09%3.45%-0.08%2.88%+295 bps
Allowance / Loans2.95%3.63%4.28%4.39%3.91%+96 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio5.19%4.78%2.89%2.87%0.82%-437 bps
Total Risk-Based Capital9.10%9.46%6.14%6.17%2.86%-624 bps
Equity / Assets4.94%4.79%2.84%2.99%1.03%-391 bps
Liquidity & Funding
Loans / Deposits64.73%52.19%46.33%45.78%44.09%-2,064 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a