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Small Town Bank

Wedowee, AL · Cert 35112

FDIC · 6 branches

Q2 2019

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 2019, the quarter ended June 30, 2019, 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

Small Town Bank

Wedowee, AL · Cert 35112

FDIC · 6 branches

Q2 2019

$240.6MAssets
$120.8MLoans
$199.9MDeposits
$39.5MEquity
Loan mix
84%RE $78.4M10%C&I $9.7M5%Consumer $5.1MQ2 2018Q2 2019
Deposit mix
78%Interest-bearing $156.1M22%Noninterest $43.8MQ2 2018Q2 2019

NIM

4.01%Q2 ’173.90%Q2 ’184.12%Q2 ’19-2%+2%

Non-interest income vs. expense

2.67%Q2 ’172.57%Q2 ’182.91%Q2 ’19-5%+18%

Market Position · Atlanta-Sandy Springs-Alpharetta, GA · 2019 SOD (annual) · 0.0% share · #72 of 85 inst. · $0.0B of $177.3B

36.5% Randolph
36.7% Cleburne
1.1% Paulding
0.6% Carroll

Executive Summary

  • Earnings: ROA of 0.94%, down 26 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.74% of loans (-140 bps YoY), with net charge-offs at 0.13%.
  • Capital: tier 1 leverage ratio of 15.30%, down 142 bps from a year ago.
  • Funding: loans stand at 60.42% of deposits as of Q2 2019.

Financial Results

Return on Assets (YTD, annualized)

0.94%-26 bps YoY

Net Interest Margin (YTD, annualized)

3.69%+7 bps YoY

Efficiency Ratio (YTD, annualized)

71.27%+771 bps YoY

Tier 1 Leverage Ratio

15.30%-142 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2018Q3 2018Q4 2018Q1 2019Q2 2019YoY ΔTrend
Earnings
Return on Assets1.21%1.24%1.14%0.99%0.94%-26 bps
Return on Equity6.97%7.24%6.72%6.22%5.84%-113 bps
Net Interest Margin3.62%3.70%3.60%3.67%3.69%+7 bps
Efficiency Ratio63.56%62.87%66.54%69.29%71.27%+771 bps
Non-Interest Burden2.11%2.14%2.23%2.39%2.48%+37 bps
Growth
Asset Growth (YoY)3.14%5.47%10.71%9.61%9.56%+642 bps
Loan Growth (YoY)6.84%12.77%8.47%9.59%14.71%+786 bps
Deposit Growth (YoY)3.57%6.73%13.45%10.74%10.27%+670 bps
Asset Quality
Nonperforming Loans / Loans2.14%1.56%0.70%0.66%0.74%-140 bps
Net Charge-Offs / Loans0.03%0.02%0.21%0.27%0.13%+10 bps
Allowance / Loans1.73%1.60%1.41%1.34%1.26%-47 bps
Allowance Coverage of NPLs0.8x1.0x2.0x2.0x1.7x+0.9x
Capital
Tier 1 Leverage Ratio16.72%16.94%15.94%15.47%15.30%-142 bps
Total Risk-Based Capital27.93%26.91%26.19%26.02%25.17%-276 bps
Equity / Assets17.06%16.73%16.04%15.96%16.40%-65 bps
Liquidity & Funding
Loans / Deposits58.08%61.01%57.67%56.55%60.42%+234 bps
Liquid Assets / Assets5.50%6.28%7.39%7.71%3.38%-212 bps
CRE / Total Capitaln/an/an/an/an/an/an/a