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Dekalb Community Bank

Smithville, TN · Cert 34163

FDIC

Q1 2005

$112.3MAssets
$82.3MLoans
$103.0MDeposits
$7.9MEquity
Loan mix
87%RE $54.4M12%C&I $7.6M0%Consumer $0.2MQ1 2004Q1 2005
Deposit mix
92%Interest-bearing $95.1M8%Noninterest $7.9MQ1 2004Q1 2005

NIM

6.96%Q1 ’036.26%Q1 ’045.99%Q1 ’05-12%-9%

Non-interest income vs. expense

3.05%Q1 ’032.75%Q1 ’042.56%Q1 ’05-8%-9%

Executive Summary

  • Earnings: ROA of 0.92%, up 254 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.26%.
  • Funding: loans stand at 79.93% of deposits as of Q1 2005.

Financial Results

Return on Assets (YTD, annualized)

0.92%+254 bps YoY

Net Interest Margin (YTD, annualized)

3.70%-36 bps YoY

Efficiency Ratio (YTD, annualized)

57.13%+55 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets-1.63%0.01%0.33%0.37%0.92%+254 bps
Return on Equity-23.99%0.11%4.79%5.44%13.05%+3,704 bps
Net Interest Margin4.05%3.99%3.98%3.92%3.70%-36 bps
Efficiency Ratio56.59%55.51%56.03%55.49%57.13%+55 bps
Non-Interest Burden1.94%1.86%1.89%1.82%1.77%-17 bps
Growth
Asset Growth (YoY)20.70%13.17%10.86%7.59%2.74%-1,796 bps
Loan Growth (YoY)15.79%11.73%3.79%0.33%-2.33%-1,812 bps
Deposit Growth (YoY)18.20%13.71%9.05%7.01%6.09%-1,211 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.57%1.86%1.49%1.56%0.26%-131 bps
Allowance / Loans2.28%1.82%1.81%1.85%1.97%-31 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 Capital12.24%12.86%13.01%13.13%13.37%+113 bps
Equity / Assets6.38%6.78%7.03%7.02%7.00%+62 bps
Liquidity & Funding
Loans / Deposits86.82%86.82%85.88%83.34%79.93%-689 bps
Liquid Assets / Assets1.78%1.63%1.60%1.58%1.55%-23 bps
CRE / Total Capitaln/an/an/an/an/an/an/a