PackageTrendsPeer
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Montgomery County Bank

Ailey, GA · Cert 19498

FDIC

Q2 2012

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 2012, the quarter ended June 30, 2012, 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

Montgomery County Bank

Ailey, GA · Cert 19498

FDIC

Q2 2012

$153.2MAssets
$99.8MLoans
$164.2MDeposits
$-16707KEquity
Loan mix
86%RE $78.9M7%C&I $6.8M6%Consumer $5.7MQ2 2011Q2 2012
Deposit mix
85%Interest-bearing $139.7M15%Noninterest $24.5MQ2 2011Q2 2012

NIM

4.58%Q2 ’103.60%Q2 ’113.80%Q2 ’12-20%+33%

Non-interest income vs. expense

3.85%Q2 ’103.81%Q2 ’1124.03%Q2 ’12+165%+300%

Executive Summary

  • Earnings: ROA of -28.97%, down 1,958 bps year over year; NIM at 2.14%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 7.19%.
  • Funding: loans stand at 60.78% of deposits as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

-28.97%-1,958 bps YoY

Net Interest Margin (YTD, annualized)

2.14%+53 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets-9.39%-7.48%-6.81%-8.76%-28.97%-1,958 bps
Return on Equity-172.23%-154.81%-156.48%-420%1585%+175,744 bps
Net Interest Margin1.61%1.95%1.96%2.24%2.14%+53 bps
Efficiency Ration/an/a1973%n/an/an/a
Non-Interest Burden6.69%6.45%6.26%9.99%26.73%+2,004 bps
Growth
Asset Growth (YoY)-7.62%-14.26%-20.84%-23.70%-27.17%-1,955 bps
Loan Growth (YoY)-13.16%-9.28%-13.57%-19.47%-18.79%-563 bps
Deposit Growth (YoY)-8.85%-15.63%-16.71%-21.08%-17.12%-826 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans7.22%5.70%5.64%10.23%7.19%-3 bps
Allowance / Loans2.80%2.52%2.75%0.90%2.70%-10 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 Capital5.66%4.59%3.91%3.65%-14.34%-2,000 bps
Equity / Assets3.02%2.62%2.09%2.08%-10.90%-1,393 bps
Liquidity & Funding
Loans / Deposits62.03%69.74%66.11%63.21%60.78%-126 bps
Liquid Assets / Assets15.40%4.80%8.09%4.26%9.62%-578 bps
CRE / Total Capitaln/an/an/an/an/an/an/a