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Park Avenue Bank, The

Valdosta, GA · Cert 19797

FDIC

Q1 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: Q1 2011, the quarter ended March 31, 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

Park Avenue Bank, The

Valdosta, GA · Cert 19797

FDIC

Q1 2011

$849.4MAssets
$534.8MLoans
$724.5MDeposits
$16.5MEquity
Loan mix
80%RE $305.3M16%C&I $60.8M4%Consumer $16.2MQ1 2010Q1 2011
Deposit mix
89%Interest-bearing $645.2M11%Noninterest $79.3MQ1 2010Q1 2011

NIM

4.76%Q1 ’093.53%Q1 ’103.68%Q1 ’11-30%+27%

Non-interest income vs. expense

2.36%Q1 ’092.54%Q1 ’102.65%Q1 ’11+45%-1%

Executive Summary

  • Earnings: ROA of -0.52%, up 109 bps year over year; NIM at 1.90%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.43%.
  • Funding: loans stand at 73.82% of deposits as of Q1 2011.

Financial Results

Return on Assets (YTD, annualized)

-0.52%+109 bps YoY

Net Interest Margin (YTD, annualized)

1.90%+40 bps YoY

Efficiency Ratio (YTD, annualized)

127.96%-3,872 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2010Q2 2010Q3 2010Q4 2010Q1 2011YoY ΔTrend
Earnings
Return on Assets-1.61%-4.29%-3.43%-3.91%-0.52%+109 bps
Return on Equity-33.43%-97.91%-83.62%-105.52%-28.21%+522 bps
Net Interest Margin1.50%1.62%1.78%1.85%1.90%+40 bps
Efficiency Ratio166.67%222%207%241%127.96%-3,872 bps
Non-Interest Burden2.52%3.18%3.34%3.60%2.48%-3 bps
Growth
Asset Growth (YoY)-7.15%-12.84%-16.44%-22.59%-32.03%-2,489 bps
Loan Growth (YoY)-19.41%-28.83%-32.99%-29.46%-29.42%-1,000 bps
Deposit Growth (YoY)-3.51%-8.02%-13.07%-20.83%-32.13%-2,862 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.41%3.64%5.04%4.19%2.43%+202 bps
Allowance / Loans4.03%5.27%4.50%5.93%5.69%+166 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 Capital8.07%6.18%5.92%4.09%3.98%-409 bps
Equity / Assets4.62%3.38%3.13%1.79%1.95%-267 bps
Liquidity & Funding
Loans / Deposits70.99%68.64%66.75%68.63%73.82%+283 bps
Liquid Assets / Assets15.84%14.15%14.47%13.41%8.16%-768 bps
CRE / Total Capitaln/an/an/an/an/an/an/a