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First Bank of Brunswick, The

Brunswick, GA · Cert 32988

FDIC

Q4 2005

$333.7MAssets
$237.3MLoans
$251.4MDeposits
$46.1MEquity
Loan mix
77%RE $69.7M21%C&I $18.6M2%Consumer $2.0MQ1 2004Q4 2005
Deposit mix
87%Interest-bearing $219.9M13%Noninterest $31.5MQ1 2004Q4 2005

Executive Summary

  • Earnings: ROA of 0.97%, down 14 bps year over year; NIM at 4.28%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Funding: loans stand at 94.41% of deposits as of Q4 2005.

Return on Assets (YTD, annualized)

0.97%-14 bps YoY

Net Interest Margin (YTD, annualized)

4.28%+23 bps YoY

Efficiency Ratio (YTD, annualized)

57.92%-179 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.07%Q4 ’035.32%Q4 ’045.96%Q4 ’05+12%+6%

Non-interest income vs. expense

3.25%Q4 ’033.17%Q4 ’043.13%Q4 ’05+4%-1%

Year to date, annualized, through each quarter.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets1.12%1.00%1.11%1.11%0.87%0.88%0.97%0.97%-14 bps
Return on Equity6.61%5.97%6.53%6.42%4.84%4.99%5.62%6.03%-40 bps
Net Interest Margin3.73%3.75%3.96%4.06%3.97%4.21%4.28%4.28%+23 bps
Efficiency Ratio59.13%59.96%59.90%59.71%67.69%64.65%62.80%57.92%-179 bps
Non-Interest Burden2.13%2.23%2.36%2.39%2.64%2.65%2.61%2.37%-2 bps
Growth
Asset Growth (YoY)-4.16%2.40%-1.47%-5.90%-4.46%-5.27%7.63%134.19%+14,009 bps
Loan Growth (YoY)-4.70%3.59%-3.43%-8.19%-5.95%-6.17%8.99%120.63%+12,882 bps
Deposit Growth (YoY)-4.00%-3.53%7.24%12.22%7.81%13.11%14.25%155.65%+14,344 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.60%0.31%0.16%0.13%-0.06%-0.03%-0.04%-0.02%-15 bps
Allowance / Loans1.47%1.40%1.47%1.49%1.51%1.57%1.59%2.95%+146 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital12.90%11.99%13.22%14.13%13.70%13.59%13.07%10.31%-382 bps
Equity / Assets16.84%16.23%17.75%18.36%17.41%17.11%16.34%13.82%-454 bps
Liquidity & Funding
Loans / Deposits124.25%132.47%111.91%109.39%108.39%109.89%106.76%94.41%-1,498 bps
Liquid Assets / Assets0.01%0.16%0.17%0.15%0.36%0.43%0.42%0.52%+37 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a