PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Rivoli Bank & Trust

Macon, GA · Cert 34309

FDIC

Q4 2005

$234.3MAssets
$164.0MLoans
$148.5MDeposits
$44.9MEquity
Loan mix
73%RE $36.5M27%C&I $13.5M0%Consumer $0.2MQ4 2004Q4 2005
Deposit mix
81%Interest-bearing $121.0M19%Noninterest $27.5MQ4 2004Q4 2005

NIM

5.17%Q4 ’035.50%Q4 ’040.00%Q4 ’05+12%-100%

Non-interest income vs. expense

2.81%Q4 ’033.45%Q4 ’040.00%Q4 ’05+30%-100%

Executive Summary

  • Earnings: ROA of 0.00%, down 95 bps year over year; NIM at 0.00%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 110.48% of deposits as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

0.00%-95 bps YoY

Net Interest Margin (YTD, annualized)

0.00%-422 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets0.95%0.74%0.87%0.74%0.00%-95 bps
Return on Equity11.48%9.37%10.84%9.20%0.00%-1,148 bps
Net Interest Margin4.22%4.40%4.17%4.09%0.00%-422 bps
Efficiency Ratio69.27%71.65%71.43%74.82%n/an/a
Non-Interest Burden2.69%2.75%2.41%2.64%0.00%-269 bps
Growth
Asset Growth (YoY)34.69%31.45%31.32%22.16%12.29%-2,240 bps
Loan Growth (YoY)33.39%29.99%32.59%18.73%10.35%-2,304 bps
Deposit Growth (YoY)40.73%33.52%31.76%24.05%-11.06%-5,180 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.38%-0.01%0.00%-0.03%0.00%-38 bps
Allowance / Loans1.12%1.26%1.23%1.34%1.35%+23 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 Capital12.13%11.48%11.05%10.98%9.74%-238 bps
Equity / Assets7.79%8.06%8.17%8.11%19.16%+1,137 bps
Liquidity & Funding
Loans / Deposits89.04%94.34%99.86%97.32%110.48%+2,143 bps
Liquid Assets / Assets0.62%0.77%0.39%0.55%0.39%-23 bps
CRE / Total Capitaln/an/an/an/an/an/an/a