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Escambia County Bank

Flomaton, AL · Cert 1746

FDIC · 1 branch

Q3 2020

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: Q3 2020, the quarter ended September 30, 2020, 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

Escambia County Bank

Flomaton, AL · Cert 1746

FDIC · 1 branch

Q3 2020

$79.9MAssets
$28.0MLoans
$67.7MDeposits
$12.0MEquity
Loan mix
60%RE $16.0M25%C&I $6.8M15%Consumer $4.0MQ3 2019Q3 2020
Deposit mix
78%Interest-bearing $53.1M22%Noninterest $14.7MQ3 2019Q3 2020

NIM

3.80%Q3 ’183.88%Q3 ’193.41%Q3 ’20-3%-13%

Non-interest income vs. expense

3.45%Q3 ’183.53%Q3 ’193.42%Q3 ’20+5%+0%

Executive Summary

  • Earnings: ROA of -0.12%, down 70 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 2.86% of loans (-30 bps YoY), with net charge-offs at 0.24%.
  • Capital: tier 1 leverage ratio of 14.40%, down 136 bps from a year ago.
  • Funding: loans stand at 41.40% of deposits as of Q3 2020.

Financial Results

Return on Assets (YTD, annualized)

-0.12%-70 bps YoY

Net Interest Margin (YTD, annualized)

2.86%-44 bps YoY

Efficiency Ratio (YTD, annualized)

103.01%+1,215 bps YoY

Tier 1 Leverage Ratio

14.40%-136 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020YoY ΔTrend
Earnings
Return on Assets0.58%0.31%0.45%0.24%-0.12%-70 bps
Return on Equity3.75%1.99%2.83%1.53%-0.76%-450 bps
Net Interest Margin3.31%3.26%3.28%3.04%2.86%-44 bps
Efficiency Ratio90.86%95.40%89.00%94.37%103.01%+1,215 bps
Non-Interest Burden2.95%3.09%2.85%2.84%2.96%+1 bps
Growth
Asset Growth (YoY)1.87%2.07%-2.43%3.98%7.37%+550 bps
Loan Growth (YoY)6.52%3.84%7.28%0.01%0.46%-606 bps
Deposit Growth (YoY)0.42%0.95%-3.50%4.05%8.52%+810 bps
Asset Quality
Nonperforming Loans / Loans3.16%2.97%2.83%2.87%2.86%-30 bps
Net Charge-Offs / Loans-0.41%-0.14%-0.03%0.36%0.24%+65 bps
Allowance / Loans1.67%1.49%1.43%1.41%1.50%-16 bps
Allowance Coverage of NPLs0.5x0.5x0.5x0.5x0.5x0.0x
Capital
Tier 1 Leverage Ratio15.76%15.66%15.50%15.18%14.40%-136 bps
Total Risk-Based Capital34.84%34.63%15.50%15.18%14.40%-2,045 bps
Equity / Assets15.89%16.13%15.62%15.79%14.99%-90 bps
Liquidity & Funding
Loans / Deposits44.72%45.64%48.44%43.70%41.40%-332 bps
Liquid Assets / Assets0.14%0.24%0.33%0.36%0.41%+27 bps
CRE / Total Capitaln/an/an/an/an/an/an/a