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Pelham Banking Company

Pelham, GA · Cert 15441

FDIC · 2 branches

Q4 2017

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: Q4 2017, the quarter ended December 31, 2017, 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

Pelham Banking Company

Pelham, GA · Cert 15441

FDIC · 2 branches

Q4 2017

$71.7MAssets
$23.5MLoans
$65.4MDeposits
$6.1MEquity
Loan mix
75%RE $13.8M12%C&I $2.3M13%Consumer $2.4MQ4 2016Q4 2017
Deposit mix
78%Interest-bearing $51.0M22%Noninterest $14.4MQ4 2016Q4 2017

NIM

3.49%Q4 ’153.44%Q4 ’161.20%Q4 ’17-2%-65%

Non-interest income vs. expense

2.56%Q4 ’152.60%Q4 ’161.17%Q4 ’17+2%-54%

Executive Summary

  • Earnings: ROA of 0.15%, down 113 bps year over year; NIM at 1.09%.
  • Asset quality: problem loans at 0.17% of loans (+17 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.98%, down 583 bps from a year ago.
  • Funding: loans stand at 35.99% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

0.15%-113 bps YoY

Net Interest Margin (YTD, annualized)

1.09%-204 bps YoY

Efficiency Ratio (YTD, annualized)

84.97%+1,697 bps YoY

Tier 1 Leverage Ratio

8.98%-583 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets1.28%1.41%1.45%0.17%0.15%-113 bps
Return on Equity8.50%9.86%10.01%1.26%1.24%-726 bps
Net Interest Margin3.13%2.99%2.96%0.38%1.09%-204 bps
Efficiency Ratio68.00%63.03%65.09%63.50%84.97%+1,697 bps
Non-Interest Burden1.91%1.59%1.69%0.21%0.89%-102 bps
Growth
Asset Growth (YoY)1.50%3.08%2.95%-2.09%-2.68%-417 bps
Loan Growth (YoY)14.10%8.42%-1.51%-6.60%-7.92%-2,201 bps
Deposit Growth (YoY)1.83%3.92%3.45%6.96%4.79%+296 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.05%0.15%0.06%0.17%+17 bps
Net Charge-Offs / Loans0.00%-0.02%0.01%0.00%0.01%+1 bps
Allowance / Loans1.56%1.68%1.61%0.03%0.11%-145 bps
Allowance Coverage of NPLsn/a36.4x10.8x0.5x0.7xn/a
Capital
Tier 1 Leverage Ratio14.81%14.57%14.83%8.54%8.98%-583 bps
Total Risk-Based Capital27.72%28.20%28.74%16.27%17.41%-1,031 bps
Equity / Assets14.43%14.08%14.96%8.81%8.45%-597 bps
Liquidity & Funding
Loans / Deposits40.95%35.53%37.87%38.62%35.99%-497 bps
Liquid Assets / Assets7.45%6.95%8.32%11.21%9.93%+248 bps
CRE / Total Capitaln/an/an/an/an/an/an/a