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Piedmont Community Bank

Gray, GA · Cert 57256

FDIC

Q3 2011

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 2011, the quarter ended September 30, 2011, 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

Piedmont Community Bank

Gray, GA · Cert 57256

FDIC

Q3 2011

$199.0MAssets
$111.9MLoans
$178.8MDeposits
$1.3MEquity
Loan mix
93%RE $81.7M6%C&I $5.2M1%Consumer $0.9MQ3 2010Q3 2011
Deposit mix
97%Interest-bearing $173.5M3%Noninterest $5.3MQ3 2010Q3 2011

NIM

3.98%Q3 ’093.80%Q3 ’103.61%Q3 ’11+38%+22%

Non-interest income vs. expense

2.18%Q3 ’093.11%Q3 ’104.47%Q3 ’11+40%+12%

Executive Summary

  • Earnings: ROA of -5.21%, down 215 bps year over year; NIM at 1.96%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 7.20%.
  • Funding: loans stand at 62.60% of deposits as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

-5.21%-215 bps YoY

Net Interest Margin (YTD, annualized)

1.96%+35 bps YoY

Efficiency Ratio (YTD, annualized)

134.99%-2,604 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-3.06%-2.71%-13.77%-7.87%-5.21%-215 bps
Return on Equity-52.59%-49.12%-519%-390%-308%-25,557 bps
Net Interest Margin1.61%1.67%1.77%1.98%1.96%+35 bps
Efficiency Ratio161.04%153.57%259%187.01%134.99%-2,604 bps
Non-Interest Burden2.78%2.73%5.16%4.19%3.12%+33 bps
Growth
Asset Growth (YoY)-16.14%-12.04%-11.70%-12.38%-10.10%+604 bps
Loan Growth (YoY)-16.74%-17.37%-14.42%-17.50%-25.29%-855 bps
Deposit Growth (YoY)-16.37%-10.91%-7.41%-7.24%-6.09%+1,028 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.59%1.90%15.22%8.78%7.20%+561 bps
Allowance / Loans4.23%3.65%4.08%4.81%5.07%+84 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 Capital6.84%6.56%2.47%1.50%1.76%-508 bps
Equity / Assets4.87%4.27%0.97%0.66%0.67%-420 bps
Liquidity & Funding
Loans / Deposits78.68%76.35%72.67%69.89%62.60%-1,609 bps
Liquid Assets / Assets1.93%1.81%1.92%2.22%2.07%+15 bps
CRE / Total Capitaln/an/an/an/an/an/an/a