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National Bank of Georgia, The

Athens, GA · Cert 35338

FDIC · 2 branches

Q3 2016

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: Q3 2016, the quarter ended September 30, 2016, 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

National Bank of Georgia, The

Athens, GA · Cert 35338

FDIC · 2 branches

Q3 2016

$415.3MAssets
$356.9MLoans
$323.2MDeposits
$43.5MEquity
Loan mix
89%RE $209.1M10%C&I $22.7M1%Consumer $2.5MQ3 2015Q3 2016
Deposit mix
83%Interest-bearing $268.2M17%Noninterest $55.0MQ3 2015Q3 2016

NIM

4.54%Q3 ’144.44%Q3 ’154.17%Q3 ’16-1%-7%

Non-interest income vs. expense

2.34%Q3 ’142.24%Q3 ’151.91%Q3 ’16-6%-15%

Market Position · Athens-Clarke County, GA · 2016 SOD (annual) · 5.8% share · #7 of 17 inst. · $0.2B of $3.9B

8.0% Clarke
3.0% Hall

Executive Summary

  • Earnings: ROA of 1.21%, down 3 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.43%, down 11 bps from a year ago.
  • Funding: loans stand at 110.44% of deposits as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

1.21%-3 bps YoY

Net Interest Margin (YTD, annualized)

3.48%-26 bps YoY

Efficiency Ratio (YTD, annualized)

50.21%-395 bps YoY

Tier 1 Leverage Ratio

10.43%-11 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets1.24%1.29%1.18%1.20%1.21%-3 bps
Return on Equity12.26%12.57%11.39%11.64%11.72%-54 bps
Net Interest Margin3.74%3.69%3.69%3.50%3.48%-26 bps
Efficiency Ratio54.16%52.24%51.76%51.05%50.21%-395 bps
Non-Interest Burden1.85%1.75%1.76%1.63%1.58%-27 bps
Growth
Asset Growth (YoY)5.39%3.59%9.91%13.84%11.74%+635 bps
Loan Growth (YoY)6.41%4.78%2.64%5.69%9.31%+290 bps
Deposit Growth (YoY)1.68%3.22%2.74%7.29%7.11%+544 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.02%-0.05%-0.03%-0.01%-4 bps
Allowance / Loans1.29%1.30%1.31%1.26%1.25%-4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.54%10.73%10.66%10.33%10.43%-11 bps
Total Risk-Based Capital13.20%13.47%13.28%13.11%13.19%-1 bps
Equity / Assets10.48%10.75%10.07%10.14%10.47%0 bps
Liquidity & Funding
Loans / Deposits108.22%108.90%105.85%106.95%110.44%+222 bps
Liquid Assets / Assets1.03%0.29%4.18%10.63%6.57%+555 bps
CRE / Total Capitaln/an/an/an/an/an/an/a