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Decatur First Bank

Decatur, GA · Cert 34392

FDIC

Q3 2011

$184.8MAssets
$95.8MLoans
$172.0MDeposits
$1.6MEquity
Loan mix
87%RE $70.2M10%C&I $8.2M3%Consumer $2.5MQ3 2010Q3 2011
Deposit mix
88%Interest-bearing $150.7M12%Noninterest $21.3MQ3 2010Q3 2011

NIM

4.35%Q3 ’094.02%Q3 ’103.90%Q3 ’11+20%+16%

Non-interest income vs. expense

2.48%Q3 ’095.05%Q3 ’103.69%Q3 ’11+115%-6%

Executive Summary

  • Earnings: ROA of -3.55%, up 19 bps year over year; NIM at 2.56%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 3.67%.
  • Funding: loans stand at 55.68% of deposits as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

-3.55%+19 bps YoY

Net Interest Margin (YTD, annualized)

2.56%+35 bps YoY

Efficiency Ratio (YTD, annualized)

207%+625 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-3.74%-3.59%-0.84%-4.51%-3.55%+19 bps
Return on Equity-98.66%-103.04%-40.16%-269%-239%-14,035 bps
Net Interest Margin2.21%2.33%2.33%2.45%2.56%+35 bps
Efficiency Ratio201%367%128.10%357%207%+625 bps
Non-Interest Burden4.74%4.90%3.06%4.86%4.46%-27 bps
Growth
Asset Growth (YoY)-12.78%-15.63%-17.59%-17.39%-12.27%+51 bps
Loan Growth (YoY)-19.10%-19.23%-19.35%-20.62%-20.21%-111 bps
Deposit Growth (YoY)-8.30%-12.51%-15.03%-14.45%-9.89%-159 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.74%3.56%1.11%4.23%3.67%-8 bps
Allowance / Loans2.76%2.60%2.55%2.96%3.19%+42 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 Capital5.00%4.59%4.80%2.44%1.38%-362 bps
Equity / Assets2.77%2.04%2.12%0.85%0.87%-190 bps
Liquidity & Funding
Loans / Deposits62.88%64.60%60.35%57.67%55.68%-721 bps
Liquid Assets / Assets16.70%12.70%14.36%11.85%12.07%-463 bps
CRE / Total Capitaln/an/an/an/an/an/an/a