PackageTrendsPeer
Letter portraitLegal landscape

Security Bank of Houston County

Perry, GA · Cert 27048

FDIC

Q2 2009

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 2009, the quarter ended June 30, 2009, 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

Security Bank of Houston County

Perry, GA · Cert 27048

FDIC

Q2 2009

$371.6MAssets
$206.3MLoans
$313.2MDeposits
$15.6MEquity
Loan mix
91%RE $169.5M9%C&I $16.6M0%Consumer $0.1MQ2 2008Q2 2009
Deposit mix
96%Interest-bearing $299.9M4%Noninterest $13.3MQ2 2008Q2 2009

NIM

7.83%Q2 ’076.14%Q2 ’083.92%Q2 ’09-27%-59%

Non-interest income vs. expense

2.53%Q2 ’072.27%Q2 ’082.14%Q2 ’09-8%+17%

Executive Summary

  • Earnings: ROA of -2.76%, down 249 bps year over year; NIM at 1.27%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.10%.
  • Funding: loans stand at 65.86% of deposits as of Q2 2009.

Financial Results

Return on Assets (YTD, annualized)

-2.76%-249 bps YoY

Net Interest Margin (YTD, annualized)

1.27%-183 bps YoY

Efficiency Ratio (YTD, annualized)

121.33%+6,420 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets-0.26%-0.06%-0.72%-1.19%-2.76%-249 bps
Return on Equity-3.90%-0.97%-11.40%-22.41%-55.74%-5,184 bps
Net Interest Margin3.10%2.97%2.59%1.39%1.27%-183 bps
Efficiency Ratio57.13%58.61%60.59%98.00%121.33%+6,420 bps
Non-Interest Burden1.40%1.40%1.26%1.35%1.64%+24 bps
Growth
Asset Growth (YoY)11.56%14.17%13.92%11.88%9.22%-234 bps
Loan Growth (YoY)0.14%-4.41%-9.74%-11.66%-17.68%-1,781 bps
Deposit Growth (YoY)9.15%5.76%5.31%14.15%10.20%+105 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.80%2.67%4.36%1.02%2.10%-71 bps
Allowance / Loans1.73%1.52%1.65%2.30%1.69%-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 Capital10.09%10.59%10.13%10.03%8.55%-154 bps
Equity / Assets6.22%6.24%5.42%5.18%4.21%-201 bps
Liquidity & Funding
Loans / Deposits88.17%85.18%73.03%69.43%65.86%-2,230 bps
Liquid Assets / Assets0.00%0.00%12.43%15.04%24.51%+2,451 bps
CRE / Total Capitaln/an/an/an/an/an/an/a