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First Tuskegee Bank

Tuskegee, AL · Cert 33519

FDIC · 3 branches

Q4 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: Q4 2014, the quarter ended December 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

First Tuskegee Bank

Tuskegee, AL · Cert 33519

FDIC · 3 branches

Q4 2014

$52.3MAssets
$27.8MLoans
$47.1MDeposits
$4.2MEquity
Loan mix
91%RE $24.6M6%C&I $1.7M2%Consumer $0.6MQ4 2013Q4 2014
Deposit mix
82%Interest-bearing $38.7M18%Noninterest $8.3MQ4 2013Q4 2014

NIM

4.32%Q4 ’123.89%Q4 ’134.31%Q4 ’14-8%+13%

Non-interest income vs. expense

5.44%Q4 ’125.97%Q4 ’136.46%Q4 ’14+8%+20%

Market Position · Montgomery, AL · 2014 SOD (annual) · 0.4% share · #19 of 23 inst. · $0.0B of $7.5B

0.4% Montgomery
24.8% Macon

Executive Summary

  • Earnings: ROA of -1.05%, down 16 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.42%.
  • Funding: loans stand at 59.17% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

-1.05%-16 bps YoY

Net Interest Margin (YTD, annualized)

4.05%+47 bps YoY

Efficiency Ratio (YTD, annualized)

126.41%+801 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets-0.89%-1.58%-0.71%-0.83%-1.05%-16 bps
Return on Equity-10.90%-20.08%-8.95%-10.40%-13.13%-224 bps
Net Interest Margin3.58%3.84%3.88%3.91%4.05%+47 bps
Efficiency Ratio118.40%129.55%116.17%118.31%126.41%+801 bps
Non-Interest Burden4.51%5.43%4.77%4.88%5.40%+89 bps
Growth
Asset Growth (YoY)-4.23%-7.44%-5.41%-6.27%-9.78%-554 bps
Loan Growth (YoY)-13.48%-11.44%-13.21%-8.80%-9.12%+436 bps
Deposit Growth (YoY)-3.85%-5.64%-5.40%-7.53%-9.87%-602 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.14%0.71%0.64%0.38%0.42%+28 bps
Allowance / Loans1.59%1.45%1.36%1.40%1.32%-26 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 Capital14.18%13.87%14.13%13.89%13.87%-31 bps
Equity / Assets7.96%7.73%8.09%8.01%8.08%+12 bps
Liquidity & Funding
Loans / Deposits58.68%56.61%56.30%57.78%59.17%+49 bps
Liquid Assets / Assets4.33%6.68%8.15%4.27%1.16%-317 bps
CRE / Total Capitaln/an/an/an/an/an/an/a