PackageTrendsPeer
Letter portraitLegal landscape

Savannah Bank, National Association, The

Savannah, GA · Cert 33120

FDIC

Q3 2012

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: Q3 2012, the quarter ended September 30, 2012, 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

Savannah Bank, National Association, The

Savannah, GA · Cert 33120

FDIC

Q3 2012

$671.5MAssets
$515.8MLoans
$586.3MDeposits
$57.1MEquity
Loan mix
88%RE $356.2M10%C&I $41.8M2%Consumer $7.9MQ3 2011Q3 2012
Deposit mix
96%Interest-bearing $563.6M4%Noninterest $22.7MQ3 2011Q3 2012

NIM

3.94%Q3 ’104.63%Q3 ’114.25%Q3 ’12+35%-2%

Non-interest income vs. expense

1.89%Q3 ’102.15%Q3 ’112.47%Q3 ’12+21%+18%

Executive Summary

  • Earnings: ROA of -1.72%, down 208 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.64%.
  • Funding: loans stand at 87.98% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

-1.72%-208 bps YoY

Net Interest Margin (YTD, annualized)

3.64%-7 bps YoY

Efficiency Ratio (YTD, annualized)

66.14%+1,048 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.36%0.17%-0.17%0.06%-1.72%-208 bps
Return on Equity4.12%1.94%-1.89%0.70%-19.00%-2,312 bps
Net Interest Margin3.71%3.70%3.57%3.64%3.64%-7 bps
Efficiency Ratio55.65%56.14%59.06%58.92%66.14%+1,048 bps
Non-Interest Burden2.02%2.03%2.10%2.09%2.39%+37 bps
Growth
Asset Growth (YoY)-10.64%-7.42%-6.43%-4.51%-7.84%+280 bps
Loan Growth (YoY)-2.90%-6.77%-8.12%-8.95%-12.46%-956 bps
Deposit Growth (YoY)-12.00%-8.87%-7.87%-4.81%-7.02%+499 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.58%1.82%2.89%2.12%2.64%+105 bps
Allowance / Loans2.31%2.48%2.39%2.50%2.45%+14 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 Capital13.01%13.01%13.09%13.56%12.96%-5 bps
Equity / Assets9.17%9.04%9.19%9.43%8.51%-66 bps
Liquidity & Funding
Loans / Deposits93.45%89.89%90.10%89.28%87.98%-547 bps
Liquid Assets / Assets4.85%8.15%7.87%8.17%10.45%+560 bps
CRE / Total Capitaln/an/an/an/an/an/an/a