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Community Bank of Rockmart

Rockmart, GA · Cert 57860

FDIC

Q3 2011

$62.4MAssets
$40.8MLoans
$55.9MDeposits
$1.4MEquity
Loan mix
88%RE $30.6M8%C&I $2.9M4%Consumer $1.4MQ3 2010Q3 2011
Deposit mix
94%Interest-bearing $52.8M6%Noninterest $3.1MQ3 2010Q3 2011

NIM

5.47%Q3 ’094.83%Q3 ’104.55%Q3 ’11+8%+1%

Non-interest income vs. expense

3.01%Q3 ’094.31%Q3 ’103.83%Q3 ’11+77%-14%

Executive Summary

  • Earnings: ROA of -0.22%, up 280 bps year over year; NIM at 2.89%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 73.06% of deposits as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

-0.22%+280 bps YoY

Net Interest Margin (YTD, annualized)

2.89%+3 bps YoY

Efficiency Ratio (YTD, annualized)

115.02%-1,963 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-3.02%-3.08%-0.76%-1.57%-0.22%+280 bps
Return on Equity-65.52%-73.34%-32.01%-71.55%-10.07%+5,546 bps
Net Interest Margin2.86%2.93%3.03%2.96%2.89%+3 bps
Efficiency Ratio134.65%149.74%126.54%116.65%115.02%-1,963 bps
Non-Interest Burden3.96%4.55%3.91%3.53%3.39%-57 bps
Growth
Asset Growth (YoY)-7.73%-8.32%-9.33%-7.53%-4.98%+276 bps
Loan Growth (YoY)-14.22%-13.91%-13.31%-13.66%-9.73%+449 bps
Deposit Growth (YoY)-1.20%-5.12%-7.43%-5.01%-4.16%-296 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.66%2.42%-0.06%0.00%0.00%-266 bps
Allowance / Loans2.50%2.31%2.36%3.28%3.36%+86 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 Capital5.61%4.61%4.42%3.62%4.50%-111 bps
Equity / Assets3.44%2.47%2.26%1.85%2.19%-125 bps
Liquidity & Funding
Loans / Deposits77.57%77.49%76.73%75.14%73.06%-451 bps
Liquid Assets / Assets3.20%4.03%4.77%4.88%6.53%+333 bps
CRE / Total Capitaln/an/an/an/an/an/an/a