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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

4.41%Q2 ’103.60%Q2 ’113.54%Q2 ’12-18%+22%

Non-interest income vs. expense

4.02%Q2 ’104.47%Q2 ’1143.92%Q2 ’12+95%+498%

Executive Summary

  • Earnings: ROA of -50.58%, down 3,756 bps year over year; NIM at 1.99%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 3.72%.
  • Funding: loans stand at 60.78% of deposits as of Q2 2012.

Financial Results

Return on Assets (quarter, annualized)

-50.58%-3,756 bps YoY

Net Interest Margin (quarter, annualized)

1.99%+36 bps YoY

Efficiency Ratio (quarter, annualized)

1639%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets-13.02%-3.11%-4.60%-8.76%-50.58%-3,756 bps
Return on Equity-289%-109.70%-194.96%-420%1263%+155,185 bps
Net Interest Margin1.63%2.25%1.50%2.24%1.99%+36 bps
Efficiency Ration/a197.55%261%n/a1639%n/a
Non-Interest Burden7.22%4.40%4.10%9.99%43.23%+3,600 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 / Loans11.70%2.74%3.97%10.23%3.72%-798 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