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Midtown Bank & Trust Company

Atlanta, GA · Cert 57580

FDIC · 2 branches

Q3 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: Q3 2014, the quarter ended September 30, 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

Midtown Bank & Trust Company

Atlanta, GA · Cert 57580

FDIC · 2 branches

Q3 2014

$215.4MAssets
$149.9MLoans
$173.3MDeposits
$21.1MEquity
Loan mix
78%RE $87.8M21%C&I $23.9M1%Consumer $0.6MQ3 2013Q3 2014
Deposit mix
79%Interest-bearing $137.4M21%Noninterest $35.8MQ3 2013Q3 2014

NIM

4.72%Q3 ’124.50%Q3 ’134.20%Q3 ’14+2%-6%

Non-interest income vs. expense

4.38%Q3 ’124.06%Q3 ’133.58%Q3 ’14+2%+30%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2014 SOD (annual) · 0.1% share · #51 of 100 inst. · $0.2B of $132.6B

Executive Summary

  • Earnings: ROA of 0.46%, down 59 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.19%.
  • Funding: loans stand at 86.51% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

0.46%-59 bps YoY

Net Interest Margin (YTD, annualized)

3.36%-20 bps YoY

Efficiency Ratio (YTD, annualized)

83.55%+1,072 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets1.05%0.96%0.60%0.46%0.46%-59 bps
Return on Equity8.83%8.36%5.97%4.59%4.64%-420 bps
Net Interest Margin3.56%3.46%3.58%3.49%3.36%-20 bps
Efficiency Ratio72.83%73.28%80.82%83.59%83.55%+1,072 bps
Non-Interest Burden2.05%2.09%2.76%2.78%2.65%+61 bps
Growth
Asset Growth (YoY)2.95%5.00%8.86%7.30%8.59%+565 bps
Loan Growth (YoY)2.30%-6.30%1.27%5.52%14.75%+1,245 bps
Deposit Growth (YoY)5.28%11.90%16.62%10.88%13.91%+863 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%0.06%-0.12%-0.11%0.19%+19 bps
Allowance / Loans1.88%1.82%1.77%1.76%1.42%-46 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 Capital13.68%12.23%12.55%12.62%11.87%-181 bps
Equity / Assets11.56%9.74%10.22%10.17%9.81%-175 bps
Liquidity & Funding
Loans / Deposits85.88%80.33%84.36%83.78%86.51%+63 bps
Liquid Assets / Assets3.69%5.70%6.64%8.37%7.25%+355 bps
CRE / Total Capitaln/an/an/an/an/an/an/a