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Atlantic National Bank

Brunswick, GA · Cert 34677

FDIC · 3 branches

Q2 2017

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 2017, the quarter ended June 30, 2017, 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

Atlantic National Bank

Brunswick, GA · Cert 34677

FDIC · 3 branches

Q2 2017

$170.8MAssets
$96.2MLoans
$149.3MDeposits
$18.9MEquity
Loan mix
88%RE $74.7M10%C&I $8.5M2%Consumer $1.8MQ2 2016Q2 2017
Deposit mix
78%Interest-bearing $116.3M22%Noninterest $33.0MQ2 2016Q2 2017

NIM

3.34%Q2 ’153.06%Q2 ’163.18%Q2 ’17-9%+5%

Non-interest income vs. expense

2.36%Q2 ’152.12%Q2 ’162.25%Q2 ’17-14%+1%

Market Position · Brunswick, GA · 2017 SOD (annual) · 7.5% share · #8 of 15 inst. · $0.1B of $2.0B

Executive Summary

  • Earnings: ROA of 1.47%, up 50 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 0.37% of loans (+37 bps YoY), with net recoveries of 0.08%.
  • Capital: tier 1 leverage ratio of 11.18%, up 77 bps from a year ago.
  • Funding: loans stand at 64.40% of deposits as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

1.47%+50 bps YoY

Net Interest Margin (YTD, annualized)

2.87%+14 bps YoY

Efficiency Ratio (YTD, annualized)

67.46%-116 bps YoY

Tier 1 Leverage Ratio

11.18%+77 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets0.97%1.02%1.16%0.98%1.47%+50 bps
Return on Equity9.36%9.78%11.07%9.15%13.54%+417 bps
Net Interest Margin2.74%2.77%2.83%2.72%2.87%+14 bps
Efficiency Ratio68.62%67.70%66.15%75.75%67.46%-116 bps
Non-Interest Burden1.77%1.75%1.74%1.97%1.79%+2 bps
Growth
Asset Growth (YoY)7.78%4.58%3.62%1.40%1.45%-633 bps
Loan Growth (YoY)-1.11%0.25%4.37%2.86%-6.20%-509 bps
Deposit Growth (YoY)8.84%5.64%4.61%1.78%1.48%-736 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.65%0.37%+37 bps
Net Charge-Offs / Loans-0.06%0.14%0.09%-0.04%-0.08%-2 bps
Allowance / Loans1.83%1.71%1.57%1.53%1.37%-46 bps
Allowance Coverage of NPLsn/an/an/a2.4x3.7xn/a
Capital
Tier 1 Leverage Ratio10.41%10.60%11.00%10.97%11.18%+77 bps
Total Risk-Based Capital21.55%21.84%22.08%22.55%23.84%+228 bps
Equity / Assets10.25%10.57%10.91%10.57%11.10%+84 bps
Liquidity & Funding
Loans / Deposits69.68%70.19%71.02%65.63%64.40%-527 bps
Liquid Assets / Assets26.79%26.65%26.16%30.55%31.89%+510 bps
CRE / Total Capitaln/an/an/an/an/an/an/a