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Mountain Valley Community Bank

Cleveland, GA · Cert 57711

FDIC · 3 branches

Q2 2017

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 2017, the quarter ended June 30, 2017, 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

Mountain Valley Community Bank

Cleveland, GA · Cert 57711

FDIC · 3 branches

Q2 2017

$196.7MAssets
$112.3MLoans
$171.1MDeposits
$18.7MEquity
Loan mix
84%RE $61.9M12%C&I $9.2M4%Consumer $2.9MQ2 2016Q2 2017
Deposit mix
69%Interest-bearing $117.8M31%Noninterest $53.3MQ2 2016Q2 2017

NIM

3.82%Q2 ’154.08%Q2 ’163.61%Q2 ’17+8%-12%

Non-interest income vs. expense

2.84%Q2 ’153.01%Q2 ’162.75%Q2 ’17+4%-6%

Market Position · Gainesville, GA · 2017 SOD (annual) · 0.4% share · #17 of 18 inst. · $0.0B of $3.5B

24.0% White
7.9% Jackson
0.4% Hall

Executive Summary

  • Earnings: ROA of 0.65%, down 18 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.01% of loans (+1 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 9.85%, down 38 bps from a year ago.
  • Funding: loans stand at 65.61% of deposits as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

0.65%-18 bps YoY

Net Interest Margin (YTD, annualized)

3.31%-43 bps YoY

Efficiency Ratio (YTD, annualized)

73.79%+341 bps YoY

Tier 1 Leverage Ratio

9.85%-38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets0.83%0.79%0.73%0.65%0.65%-18 bps
Return on Equity8.34%7.94%7.50%7.17%7.09%-124 bps
Net Interest Margin3.75%3.55%3.32%3.37%3.31%-43 bps
Efficiency Ratio70.38%71.20%72.75%73.58%73.79%+341 bps
Non-Interest Burden2.48%2.37%2.29%2.37%2.34%-14 bps
Growth
Asset Growth (YoY)7.22%7.41%12.23%8.58%11.33%+410 bps
Loan Growth (YoY)11.94%20.17%19.85%14.82%8.72%-322 bps
Deposit Growth (YoY)6.91%9.14%15.85%10.84%13.05%+614 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.01%0.01%+1 bps
Net Charge-Offs / Loans-0.02%-0.06%-0.09%-0.03%-0.02%0 bps
Allowance / Loans1.57%1.55%1.60%1.56%1.53%-4 bps
Allowance Coverage of NPLsn/an/an/a171.1x214.3xn/a
Capital
Tier 1 Leverage Ratio10.23%10.04%9.67%10.01%9.85%-38 bps
Total Risk-Based Capital16.25%16.04%16.00%15.94%15.74%-51 bps
Equity / Assets10.16%9.95%8.61%9.56%9.50%-65 bps
Liquidity & Funding
Loans / Deposits68.23%67.62%59.36%66.13%65.61%-261 bps
Liquid Assets / Assets10.90%10.42%9.57%8.69%8.05%-285 bps
CRE / Total Capitaln/an/an/an/an/an/an/a