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Dekalb Bank

Crossville, AL · Cert 19023

FDIC

Q3 2011

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 2011, the quarter ended September 30, 2011, 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

Dekalb Bank

Crossville, AL · Cert 19023

FDIC

Q3 2011

$54.6MAssets
$31.0MLoans
$51.1MDeposits
$3.4MEquity
Loan mix
83%RE $22.8M5%C&I $1.5M12%Consumer $3.2MQ3 2010Q3 2011
Deposit mix
83%Interest-bearing $42.1M17%Noninterest $8.9MQ3 2010Q3 2011

NIM

5.11%Q3 ’094.76%Q3 ’104.18%Q3 ’11+1%-11%

Non-interest income vs. expense

4.72%Q3 ’094.76%Q3 ’103.84%Q3 ’11+3%-9%

Executive Summary

  • Earnings: ROA of -3.16%, down 47 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 4.06%.
  • Funding: loans stand at 60.64% of deposits as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

-3.16%-47 bps YoY

Net Interest Margin (YTD, annualized)

3.17%-41 bps YoY

Efficiency Ratio (YTD, annualized)

115.26%+399 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-2.69%-2.28%-7.40%-4.28%-3.16%-47 bps
Return on Equity-41.51%-36.79%-128.28%-71.07%-52.14%-1,063 bps
Net Interest Margin3.58%3.45%3.03%3.08%3.17%-41 bps
Efficiency Ratio111.26%112.56%131.63%120.68%115.26%+399 bps
Non-Interest Burden4.07%3.97%4.00%3.78%3.68%-38 bps
Growth
Asset Growth (YoY)-3.24%1.68%2.72%-4.10%-2.70%+54 bps
Loan Growth (YoY)-12.69%-14.38%-17.25%-20.19%-17.78%-509 bps
Deposit Growth (YoY)-0.66%4.02%3.15%-4.62%-3.53%-288 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.10%2.27%1.34%5.11%4.06%+296 bps
Allowance / Loans3.80%2.81%5.20%3.64%3.74%-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 Capital8.95%8.78%11.16%11.18%11.11%+216 bps
Equity / Assets5.44%5.04%6.51%6.55%6.21%+76 bps
Liquidity & Funding
Loans / Deposits71.15%65.22%66.23%64.58%60.64%-1,051 bps
Liquid Assets / Assets14.58%19.07%18.97%18.76%22.34%+776 bps
CRE / Total Capitaln/an/an/an/an/an/an/a