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Mount Gilead Savings and Loan Association

Mount Gilead, NC · Cert 29358

FDIC · 1 branch

Q1 2014

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 2014, the quarter ended March 31, 2014, 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

Mount Gilead Savings and Loan Association

Mount Gilead, NC · Cert 29358

FDIC · 1 branch

Q1 2014

$320KAssets
n/aLoans
$11KDeposits
$304KEquity
Deposit mix
0%Interest-bearing $0K100%Noninterest $11KQ1 2013Q1 2014

NIM

4.81%Q1 ’124.41%Q1 ’130.48%Q1 ’14-1%-4932%

Non-interest income vs. expense

2.83%Q1 ’122.88%Q1 ’13175.30%Q1 ’14+2%+5990%

Executive Summary

  • Earnings: ROA of -323.53%, down 32,402 bps year over year; NIM at -173.40%.
  • Funding: loans stand at 0.00% of deposits as of Q1 2014.

Financial Results

Return on Assets (YTD, annualized)

-324%-32,402 bps YoY

Net Interest Margin (YTD, annualized)

-173.40%-17,699 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2013Q2 2013Q3 2013Q4 2013Q1 2014YoY ΔTrend
Earnings
Return on Assets0.50%0.57%0.29%-8.39%-324%-32,402 bps
Return on Equity3.09%3.51%1.75%-46.14%-438%-44,065 bps
Net Interest Margin3.59%3.60%3.68%-2.20%-173.40%-17,699 bps
Efficiency Ratio80.20%79.50%89.90%n/an/an/a
Non-Interest Burden2.88%2.86%3.30%5.78%175.30%+17,242 bps
Growth
Asset Growth (YoY)-2.29%-1.93%-5.90%-86.78%-97.13%-9,485 bps
Loan Growth (YoY)-9.35%-12.76%-12.39%-100.00%-100.00%-9,065 bps
Deposit Growth (YoY)-2.18%-2.77%-7.39%-95.21%-99.88%-9,770 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%n/an/an/a
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%n/an/a
Allowance / Loans0.40%0.42%0.42%n/an/an/a
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 Capital37.99%40.34%40.86%1140%561%+52,312 bps
Equity / Assets16.32%16.53%17.09%69.43%95.00%+7,868 bps
Liquidity & Funding
Loans / Deposits89.10%85.60%87.59%0.00%0.00%-8,910 bps
Liquid Assets / Assets23.08%27.07%24.10%77.39%12.50%-1,058 bps
CRE / Total Capitaln/an/an/an/an/an/an/a