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Franklin Community Bank, National Association

Rocky Mount, VA · Cert 57259

FDIC · 3 branches

Q4 2014

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: Q4 2014, the quarter ended December 31, 2014, 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

Franklin Community Bank, National Association

Rocky Mount, VA · Cert 57259

FDIC · 3 branches

Q4 2014

$163.6MAssets
$123.0MLoans
$137.2MDeposits
$23.8MEquity
Loan mix
89%RE $93.0M9%C&I $9.9M1%Consumer $1.1MQ4 2013Q4 2014
Deposit mix
80%Interest-bearing $109.7M20%Noninterest $27.6MQ4 2013Q4 2014

NIM

4.61%Q4 ’124.28%Q4 ’134.15%Q4 ’14+1%+2%

Non-interest income vs. expense

3.66%Q4 ’123.13%Q4 ’133.28%Q4 ’14+5%+5%

Market Position · Roanoke, VA · 2014 SOD (annual) · 1.9% share · #12 of 17 inst. · $0.1B of $7.3B

Executive Summary

  • Earnings: ROA of 0.62%, up 53 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.07%.
  • Funding: loans stand at 89.65% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

0.62%+53 bps YoY

Net Interest Margin (YTD, annualized)

3.73%+7 bps YoY

Efficiency Ratio (YTD, annualized)

76.74%+208 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets0.09%0.56%0.69%0.72%0.62%+53 bps
Return on Equity0.67%4.08%4.91%5.13%4.38%+372 bps
Net Interest Margin3.66%3.62%3.72%3.73%3.73%+7 bps
Efficiency Ratio74.66%75.92%73.87%73.78%76.74%+208 bps
Non-Interest Burden2.59%2.62%2.60%2.62%2.74%+14 bps
Growth
Asset Growth (YoY)-7.74%-7.68%-7.54%-4.16%-2.80%+494 bps
Loan Growth (YoY)-8.09%-4.16%-1.80%1.66%-1.34%+675 bps
Deposit Growth (YoY)-5.15%-8.86%-9.40%-5.62%-4.31%+83 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.51%0.32%0.35%0.26%1.07%-44 bps
Allowance / Loans1.91%1.86%1.76%1.73%0.99%-92 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 Capital19.41%19.51%19.92%20.23%20.88%+147 bps
Equity / Assets13.58%13.99%14.28%14.37%14.56%+98 bps
Liquidity & Funding
Loans / Deposits86.95%90.18%90.87%90.80%89.65%+270 bps
Liquid Assets / Assets6.14%3.16%7.33%8.26%3.51%-263 bps
CRE / Total Capitaln/an/an/an/an/an/an/a