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Flint River National Bank

Camilla, GA · Cert 57786

FDIC · 1 branch

Q1 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: Q1 2014, the quarter ended March 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

Flint River National Bank

Camilla, GA · Cert 57786

FDIC · 1 branch

Q1 2014

$19.2MAssets
$9.4MLoans
$17.9MDeposits
$1.2MEquity
Loan mix
70%RE $4.4M27%C&I $1.7M3%Consumer $0.2MQ1 2013Q1 2014
Deposit mix
83%Interest-bearing $14.8M17%Noninterest $3.1MQ1 2013Q1 2014

NIM

3.61%Q1 ’123.22%Q1 ’132.74%Q1 ’14-10%-15%

Non-interest income vs. expense

3.17%Q1 ’124.21%Q1 ’134.79%Q1 ’14+35%-1%

Executive Summary

  • Earnings: ROA of -1.73%, down 52 bps year over year; NIM at 2.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
  • Funding: loans stand at 52.73% of deposits as of Q1 2014.

Financial Results

Return on Assets (YTD, annualized)

-1.73%-52 bps YoY

Net Interest Margin (YTD, annualized)

2.25%-40 bps YoY

Efficiency Ratio (YTD, annualized)

151.23%+771 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2013Q2 2013Q3 2013Q4 2013Q1 2014YoY ΔTrend
Earnings
Return on Assets-1.21%-1.22%-1.81%-1.82%-1.73%-52 bps
Return on Equity-19.43%-18.96%-27.62%-27.58%-25.84%-640 bps
Net Interest Margin2.65%2.96%2.81%2.69%2.25%-40 bps
Efficiency Ratio143.52%140.00%157.93%159.04%151.23%+771 bps
Non-Interest Burden3.92%4.29%4.62%4.50%3.87%-6 bps
Growth
Asset Growth (YoY)-9.50%-11.64%-11.88%-35.67%-25.68%-1,619 bps
Loan Growth (YoY)-22.63%-28.41%-25.33%-35.93%-31.78%-915 bps
Deposit Growth (YoY)-6.36%-11.47%-10.33%-36.44%-25.66%-1,929 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%-0.01%-0.02%-0.02%-0.04%-4 bps
Allowance / Loans3.40%3.49%3.54%4.67%5.00%+160 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 Capital11.89%12.09%11.41%12.67%12.42%+53 bps
Equity / Assets6.53%7.03%6.88%6.93%6.48%-5 bps
Liquidity & Funding
Loans / Deposits57.46%64.08%69.23%56.79%52.73%-473 bps
Liquid Assets / Assets1.76%2.01%2.22%2.40%2.39%+64 bps
CRE / Total Capitaln/an/an/an/an/an/an/a