PackageTrendsPeer
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Rossville Bank

Rossville, GA · Cert 18959

FDIC

Q4 2008

$96.3MAssets
$73.7MLoans
$83.6MDeposits
$11.0MEquity
Loan mix
87%RE $50.6M13%C&I $7.4M0%Consumer $0.0MQ1 2007Q4 2008
Deposit mix
85%Interest-bearing $70.9M15%Noninterest $12.6MQ1 2007Q4 2008

Executive Summary

  • Earnings: ROA of 0.35%, down 89 bps year over year; NIM at 4.55%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.29%.
  • Funding: loans stand at 88.15% of deposits as of Q4 2008.

Return on Assets (YTD, annualized)

0.35%-89 bps YoY

Net Interest Margin (YTD, annualized)

4.55%-21 bps YoY

Efficiency Ratio (YTD, annualized)

74.55%+78 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.73%Q4 ’066.98%Q4 ’076.18%Q4 ’08-5%-4%

Non-interest income vs. expense

4.13%Q4 ’064.10%Q4 ’074.01%Q4 ’08-3%-4%

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008Q4 2008YoY ΔTrend
Earnings
Return on Assets1.16%1.31%1.28%1.24%0.95%0.89%0.06%0.35%-89 bps
Return on Equity11.30%12.92%12.31%11.66%8.27%7.87%0.50%3.10%-856 bps
Net Interest Margin4.63%4.72%4.66%4.76%4.49%4.42%4.48%4.55%-21 bps
Efficiency Ratio75.15%72.81%73.18%73.76%76.74%77.36%76.14%74.55%+78 bps
Non-Interest Burden3.31%3.24%3.21%3.30%3.26%3.25%3.22%3.18%-12 bps
Growth
Asset Growth (YoY)8.89%2.74%1.59%-5.23%-7.43%-2.49%-2.09%-2.99%+224 bps
Loan Growth (YoY)6.97%2.36%-6.37%-1.30%-7.05%2.95%11.07%12.28%+1,358 bps
Deposit Growth (YoY)2.84%2.31%0.88%-0.49%-3.77%-2.82%-6.83%-2.70%-220 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.39%0.55%0.40%0.24%0.45%0.34%0.29%-11 bps
Allowance / Loans1.15%1.04%0.96%1.00%1.09%0.95%1.00%1.01%+1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital16.14%16.30%17.11%17.20%17.32%16.36%15.86%15.69%-152 bps
Equity / Assets10.01%10.03%11.05%11.46%11.48%10.82%10.83%11.47%0 bps
Liquidity & Funding
Loans / Deposits77.25%73.76%73.55%76.39%74.63%78.14%87.68%88.15%+1,176 bps
Liquid Assets / Assets0.11%0.11%0.12%0.12%0.14%0.14%0.19%0.34%+22 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a