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Monroe County Bank

Forsyth, GA · Cert 156

FDIC · 2 branches

Q2 2014

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 2014, the quarter ended June 30, 2014, 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

Monroe County Bank

Forsyth, GA · Cert 156

FDIC · 2 branches

Q2 2014

$94.3MAssets
$62.0MLoans
$85.9MDeposits
$8.1MEquity
Loan mix
79%RE $44.2M15%C&I $8.5M6%Consumer $3.4MQ2 2013Q2 2014
Deposit mix
73%Interest-bearing $63.0M27%Noninterest $22.9MQ2 2013Q2 2014

NIM

4.17%Q2 ’124.38%Q2 ’134.33%Q2 ’14+41%+1%

Non-interest income vs. expense

3.10%Q2 ’123.39%Q2 ’133.36%Q2 ’14-5%+9%

Market Position · Macon, GA · 2014 SOD (annual) · 3.0% share · #8 of 17 inst. · $0.1B of $2.9B

Executive Summary

  • Earnings: ROA of 0.29%, up 6 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.15%.
  • Funding: loans stand at 72.22% of deposits as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

0.29%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.38%+2 bps YoY

Efficiency Ratio (YTD, annualized)

85.39%+398 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.23%0.26%0.28%0.23%0.29%+6 bps
Return on Equity2.54%2.85%3.12%2.69%3.38%+84 bps
Net Interest Margin3.36%3.39%3.36%3.40%3.38%+2 bps
Efficiency Ratio81.41%82.75%83.17%86.59%85.39%+398 bps
Non-Interest Burden2.58%2.68%2.68%2.87%2.81%+22 bps
Growth
Asset Growth (YoY)-5.90%0.66%4.95%11.68%8.35%+1,425 bps
Loan Growth (YoY)-0.47%3.38%5.73%5.82%4.86%+534 bps
Deposit Growth (YoY)-6.38%0.55%5.17%12.46%8.70%+1,508 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.74%0.58%0.48%-0.01%0.15%-60 bps
Allowance / Loans2.05%2.10%2.11%2.19%2.18%+13 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 Capital16.65%16.88%16.75%16.72%16.57%-9 bps
Equity / Assets9.01%9.04%9.02%8.33%8.62%-40 bps
Liquidity & Funding
Loans / Deposits74.86%74.18%74.63%69.08%72.22%-264 bps
Liquid Assets / Assets20.72%21.68%21.07%26.80%23.97%+326 bps
CRE / Total Capitaln/an/an/an/an/an/an/a