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Bank of Dadeville

Dadeville, AL · Cert 15291

FDIC

Q2 2007

$78.9MAssets
$40.3MLoans
$71.0MDeposits
$5.8MEquity
Deposit mix
78%Interest-bearing $55.5M22%Noninterest $15.5MQ2 2006Q2 2007

NIM

5.21%Q2 ’055.57%Q2 ’065.98%Q2 ’07+0%-10%

Non-interest income vs. expense

2.09%Q2 ’052.08%Q2 ’062.15%Q2 ’07-3%-6%

Executive Summary

  • Earnings: ROA of 1.94%, down 27 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Funding: loans stand at 56.70% of deposits as of Q2 2007.

Financial Results

Return on Assets (YTD, annualized)

1.94%-27 bps YoY

Net Interest Margin (YTD, annualized)

3.61%-42 bps YoY

Efficiency Ratio (YTD, annualized)

45.18%+391 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets2.22%2.14%2.07%1.85%1.94%-27 bps
Return on Equity31.36%30.16%29.22%25.92%26.94%-441 bps
Net Interest Margin4.03%3.94%3.74%3.40%3.61%-42 bps
Efficiency Ratio41.27%42.19%42.74%46.39%45.18%+391 bps
Non-Interest Burden1.06%1.07%1.02%1.02%1.00%-6 bps
Growth
Asset Growth (YoY)1.62%5.88%7.10%-0.98%-3.02%-464 bps
Loan Growth (YoY)-3.58%0.55%6.86%1.69%-0.40%+318 bps
Deposit Growth (YoY)-0.34%0.81%0.22%-0.46%4.50%+484 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.09%-0.06%-0.03%-3 bps
Allowance / Loans1.62%1.62%1.48%1.54%1.57%-5 bps
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 Capital15.62%15.67%15.04%15.50%15.73%+11 bps
Equity / Assets6.93%7.13%7.02%7.28%7.36%+42 bps
Liquidity & Funding
Loans / Deposits59.49%60.97%63.31%58.95%56.70%-279 bps
Liquid Assets / Assets20.51%21.43%21.38%18.16%19.15%-136 bps
CRE / Total Capitaln/an/an/an/an/an/an/a