PackageTrendsPeer
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Security Bank of Bibb County

Macon, GA · Cert 27367

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 Bibb County

Macon, GA · Cert 27367

FDIC

Q2 2009

$943.7MAssets
$784.5MLoans
$831.4MDeposits
$23.5MEquity
Loan mix
91%RE $621.4M9%C&I $62.8M0%Consumer $0.3MQ2 2008Q2 2009
Deposit mix
92%Interest-bearing $768.9M8%Noninterest $62.6MQ2 2008Q2 2009

NIM

7.43%Q2 ’075.62%Q2 ’084.31%Q2 ’09-38%-49%

Non-interest income vs. expense

3.05%Q2 ’078.77%Q2 ’083.01%Q2 ’09+379%-62%

Executive Summary

  • Earnings: ROA of -6.72%, up 247 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 6.20%.
  • Funding: loans stand at 94.36% of deposits as of Q2 2009.

Financial Results

Return on Assets (YTD, annualized)

-6.72%+247 bps YoY

Net Interest Margin (YTD, annualized)

1.27%-121 bps YoY

Efficiency Ratio (YTD, annualized)

237%+16,218 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-9.20%-7.09%-8.01%-1.04%-6.72%+247 bps
Return on Equity-90.96%-75.20%-93.23%-20.85%-157.09%-6,614 bps
Net Interest Margin2.48%2.52%2.36%1.41%1.27%-121 bps
Efficiency Ratio74.65%84.77%88.95%125.51%237%+16,218 bps
Non-Interest Burden8.01%6.46%5.44%1.87%3.03%-498 bps
Growth
Asset Growth (YoY)12.11%4.08%-4.50%-10.00%-30.53%-4,265 bps
Loan Growth (YoY)5.44%-5.05%-5.74%-11.46%-23.53%-2,897 bps
Deposit Growth (YoY)17.50%7.08%-2.06%-7.99%-28.35%-4,585 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans7.71%6.44%6.13%2.86%6.20%-151 bps
Allowance / Loans2.20%2.83%3.35%2.88%4.36%+216 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 Capital10.33%10.12%7.11%6.86%3.71%-662 bps
Equity / Assets7.58%7.34%5.02%4.93%2.49%-509 bps
Liquidity & Funding
Loans / Deposits88.41%90.63%91.07%92.10%94.36%+595 bps
Liquid Assets / Assets0.12%0.04%5.38%3.66%1.60%+148 bps
CRE / Total Capitaln/an/an/an/an/an/an/a