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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

5.12%Q3 ’094.64%Q3 ’104.35%Q3 ’11-4%-6%

Non-interest income vs. expense

4.72%Q3 ’094.76%Q3 ’103.36%Q3 ’11+8%-18%

Executive Summary

  • Earnings: ROA of -0.92%, up 184 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.54%.
  • Funding: loans stand at 60.64% of deposits as of Q3 2011.

Financial Results

Return on Assets (quarter, annualized)

-0.92%+184 bps YoY

Net Interest Margin (quarter, annualized)

3.35%-20 bps YoY

Efficiency Ratio (quarter, annualized)

103.90%-1,280 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-2.76%-1.06%-7.40%-1.04%-0.92%+184 bps
Return on Equity-47.62%-20.33%-128.28%-15.91%-14.38%+3,324 bps
Net Interest Margin3.55%3.29%3.03%3.03%3.35%-20 bps
Efficiency Ratio116.70%116.70%131.63%110.95%103.90%-1,280 bps
Non-Interest Burden4.23%3.94%4.00%3.42%3.48%-76 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 / Loans2.41%5.56%1.34%8.79%1.54%-87 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