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Douglas County Bank

Douglasville, GA · Cert 21649

FDIC

Q1 2013

$317.3MAssets
$172.7MLoans
$315.3MDeposits
$811KEquity
Loan mix
96%RE $119.2M3%C&I $3.6M1%Consumer $1.5MQ1 2012Q1 2013
Deposit mix
88%Interest-bearing $277.7M12%Noninterest $37.7MQ1 2012Q1 2013

NIM

3.32%Q1 ’113.25%Q1 ’123.00%Q1 ’13+14%-2%

Non-interest income vs. expense

2.83%Q1 ’112.92%Q1 ’122.90%Q1 ’13+27%-27%

Executive Summary

  • Earnings: ROA of -0.09%, up 63 bps year over year; NIM at 2.15%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.66%.
  • Funding: loans stand at 54.77% of deposits as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

-0.09%+63 bps YoY

Net Interest Margin (YTD, annualized)

2.15%-4 bps YoY

Efficiency Ratio (YTD, annualized)

100.66%-3,625 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets-0.72%-0.42%-0.33%-2.71%-0.09%+63 bps
Return on Equity-23.40%-14.03%-11.10%-110.77%-28.84%-544 bps
Net Interest Margin2.19%2.19%2.19%2.23%2.15%-4 bps
Efficiency Ratio136.90%111.67%111.35%630%100.66%-3,625 bps
Non-Interest Burden2.97%2.49%2.48%4.72%2.17%-80 bps
Growth
Asset Growth (YoY)-1.52%-1.77%-0.94%-2.18%-3.49%-197 bps
Loan Growth (YoY)-2.73%-7.56%-20.13%-21.12%-21.68%-1,895 bps
Deposit Growth (YoY)0.23%0.02%1.03%0.67%-0.79%-102 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.30%0.30%1.43%0.66%+66 bps
Allowance / Loans2.01%2.11%2.48%1.71%1.61%-41 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 Capital4.88%4.89%4.93%1.02%0.97%-392 bps
Equity / Assets2.94%2.89%2.80%0.34%0.26%-269 bps
Liquidity & Funding
Loans / Deposits69.38%66.03%56.50%55.66%54.77%-1,461 bps
Liquid Assets / Assets6.17%6.70%5.90%6.54%5.53%-64 bps
CRE / Total Capitaln/an/an/an/an/an/an/a