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Columbus Community Bank

Columbus, GA · Cert 58299

FDIC · 1 branch

Q3 2015

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 2015, the quarter ended September 30, 2015, 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

Columbus Community Bank

Columbus, GA · Cert 58299

FDIC · 1 branch

Q3 2015

$132.6MAssets
$104.2MLoans
$105.1MDeposits
$15.8MEquity
Loan mix
94%RE $78.3M4%C&I $3.5M1%Consumer $1.1MQ3 2014Q3 2015
Deposit mix
86%Interest-bearing $90.2M14%Noninterest $14.9MQ3 2014Q3 2015

NIM

4.35%Q3 ’134.35%Q3 ’144.19%Q3 ’15+1%-2%

Non-interest income vs. expense

2.86%Q3 ’132.61%Q3 ’142.61%Q3 ’15-8%-1%

Market Position · Columbus, GA-AL · 2015 SOD (annual) · 1.6% share · #7 of 18 inst. · $0.1B of $6.4B

Executive Summary

  • Earnings: ROA of 0.93%, down 1 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 12.18%.
  • Funding: loans stand at 99.15% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

0.93%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.74%-9 bps YoY

Efficiency Ratio (YTD, annualized)

65.33%+129 bps YoY

Tier 1 Leverage Ratio

12.18%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.94%0.97%1.02%0.97%0.93%-1 bps
Return on Equity8.24%8.42%8.18%7.88%7.58%-66 bps
Net Interest Margin3.84%3.86%3.98%3.89%3.74%-9 bps
Efficiency Ratio64.05%62.81%62.48%63.99%65.33%+129 bps
Non-Interest Burden2.37%2.34%2.39%2.40%2.36%-2 bps
Growth
Asset Growth (YoY)5.43%-1.83%0.04%5.46%7.01%+157 bps
Loan Growth (YoY)9.99%9.08%12.36%11.18%10.73%+74 bps
Deposit Growth (YoY)6.27%-3.97%-6.10%0.35%1.00%-527 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.00%0.00%-0.02%0.05%+2 bps
Allowance / Loans2.09%2.12%2.03%2.00%1.94%-14 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a12.61%12.38%12.18%n/a
Total Risk-Based Capital16.34%17.22%16.46%16.27%15.64%-70 bps
Equity / Assets11.62%12.31%12.50%12.17%11.94%+32 bps
Liquidity & Funding
Loans / Deposits90.43%94.78%103.74%101.99%99.15%+872 bps
Liquid Assets / Assets2.43%1.46%0.62%0.60%0.39%-205 bps
CRE / Total Capitaln/an/an/an/an/an/an/a