PackageTrendsPeer
Letter portraitLegal landscape

Peoples Bank of Coffee County, The

Elba, AL · Cert 33985

FDIC

Q2 2008

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 2008, the quarter ended June 30, 2008, 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

Peoples Bank of Coffee County, The

Elba, AL · Cert 33985

FDIC

Q2 2008

$206.1MAssets
$131.3MLoans
$173.8MDeposits
$18.6MEquity
Loan mix
72%RE $79.1M28%C&I $30.5M0%Consumer $0.0MQ2 2007Q2 2008
Deposit mix
90%Interest-bearing $156.5M10%Noninterest $17.3MQ2 2007Q2 2008

NIM

5.91%Q2 ’066.41%Q2 ’076.21%Q2 ’08-14%-1%

Non-interest income vs. expense

2.22%Q2 ’061.81%Q2 ’071.66%Q2 ’08-20%-15%

Executive Summary

  • Earnings: ROA of 0.82%, up 16 bps year over year; NIM at 2.81%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.23%.
  • Funding: loans stand at 75.55% of deposits as of Q2 2008.

Financial Results

Return on Assets (YTD, annualized)

0.82%+16 bps YoY

Net Interest Margin (YTD, annualized)

2.81%-2 bps YoY

Efficiency Ratio (YTD, annualized)

50.10%-517 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets0.67%0.77%0.76%0.78%0.82%+16 bps
Return on Equity7.77%8.91%8.71%8.57%9.08%+131 bps
Net Interest Margin2.83%2.88%2.95%2.84%2.81%-2 bps
Efficiency Ratio55.27%52.24%51.81%51.78%50.10%-517 bps
Non-Interest Burden1.36%1.28%1.31%1.25%1.16%-21 bps
Growth
Asset Growth (YoY)47.09%35.40%19.73%9.33%2.36%-4,473 bps
Loan Growth (YoY)44.63%29.54%17.21%9.85%0.57%-4,406 bps
Deposit Growth (YoY)47.02%31.87%17.30%8.98%1.85%-4,517 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.95%1.49%1.16%0.46%0.23%-72 bps
Allowance / Loans2.01%1.62%1.77%1.90%2.11%+11 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 Capital11.43%11.85%11.97%12.06%12.34%+91 bps
Equity / Assets8.53%8.84%9.22%8.89%9.04%+51 bps
Liquidity & Funding
Loans / Deposits76.52%78.48%81.26%74.00%75.55%-96 bps
Liquid Assets / Assets0.44%0.44%0.46%0.43%0.06%-38 bps
CRE / Total Capitaln/an/an/an/an/an/an/a