PackageTrendsPeer
Letter portraitLegal landscape

Creekside Bank

Woodstock, GA · Cert 58226

FDIC

Q2 2011

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 2011, the quarter ended June 30, 2011, 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

Creekside Bank

Woodstock, GA · Cert 58226

FDIC

Q2 2011

$102.3MAssets
$61.7MLoans
$96.6MDeposits
$651KEquity
Loan mix
85%RE $43.2M14%C&I $7.2M1%Consumer $0.5MQ2 2010Q2 2011
Deposit mix
97%Interest-bearing $93.4M3%Noninterest $3.2MQ2 2010Q2 2011

NIM

3.72%Q2 ’093.62%Q2 ’102.91%Q2 ’11+85%-2%

Non-interest income vs. expense

3.14%Q2 ’093.26%Q2 ’104.24%Q2 ’11+8%+4%

Executive Summary

  • Earnings: ROA of -4.45%, down 242 bps year over year; NIM at 1.59%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.77%.
  • Funding: loans stand at 63.91% of deposits as of Q2 2011.

Financial Results

Return on Assets (YTD, annualized)

-4.45%-242 bps YoY

Net Interest Margin (YTD, annualized)

1.59%-3 bps YoY

Efficiency Ratio (YTD, annualized)

180.18%-3,088 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2010Q3 2010Q4 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets-2.03%-3.56%-4.97%-1.99%-4.45%-242 bps
Return on Equity-30.15%-56.51%-87.41%-77.40%-231%-20,116 bps
Net Interest Margin1.61%1.46%1.49%1.53%1.59%-3 bps
Efficiency Ratio211%255%248%199.61%180.18%-3,088 bps
Non-Interest Burden3.33%3.46%3.65%3.47%3.47%+15 bps
Growth
Asset Growth (YoY)-4.20%-4.21%-14.49%-11.64%-8.82%-462 bps
Loan Growth (YoY)-13.49%-15.66%-15.38%-16.69%-17.07%-358 bps
Deposit Growth (YoY)-0.84%-0.66%-11.09%-7.82%-3.34%-250 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.79%2.81%4.15%-0.88%1.77%+98 bps
Allowance / Loans2.00%2.17%2.94%3.26%4.43%+243 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 Capital9.91%7.94%4.86%4.21%1.56%-835 bps
Equity / Assets6.41%4.90%2.88%2.28%0.64%-577 bps
Liquidity & Funding
Loans / Deposits74.49%69.95%73.95%68.06%63.91%-1,058 bps
Liquid Assets / Assets13.95%17.55%10.00%16.40%15.24%+129 bps
CRE / Total Capitaln/an/an/an/an/an/an/a