PackageTrendsPeer
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Rockbridge Commercial Bank

Atlanta, GA · Cert 58315

FDIC

Q3 2009

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 2009, the quarter ended September 30, 2009, 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

Rockbridge Commercial Bank

Atlanta, GA · Cert 58315

FDIC

Q3 2009

$294.0MAssets
$211.7MLoans
$291.7MDeposits
$1.5MEquity
Loan mix
72%RE $118.7M27%C&I $44.1M1%Consumer $1.3MQ3 2008Q3 2009
Deposit mix
97%Interest-bearing $282.0M3%Noninterest $9.7MQ3 2008Q3 2009

NIM

5.35%Q3 ’075.41%Q3 ’083.89%Q3 ’09-51%-37%

Non-interest income vs. expense

3.64%Q3 ’071.98%Q3 ’082.27%Q3 ’09-47%+13%

Executive Summary

  • Earnings: ROA of -13.55%, down 1,193 bps year over year; NIM at 1.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 17.03%.
  • Funding: loans stand at 72.59% of deposits as of Q3 2009.

Financial Results

Return on Assets (YTD, annualized)

-13.55%-1,193 bps YoY

Net Interest Margin (YTD, annualized)

1.22%-73 bps YoY

Efficiency Ratio (YTD, annualized)

172.72%+7,358 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets-1.62%-2.42%0.54%1-12.11%-13.55%-1,193 bps
Return on Equity-13.99%-21.57%5.33%-146.41%-218%-20,355 bps
Net Interest Margin1.94%1.76%2.07%1.58%1.22%-73 bps
Efficiency Ratio99.15%104.83%85.33%121.92%172.72%+7,358 bps
Non-Interest Burden1.93%1.85%1.76%1.95%2.17%+25 bps
Growth
Asset Growth (YoY)130.32%45.59%25.72%19.84%18.91%-11,140 bps
Loan Growth (YoY)147.19%45.83%32.65%16.99%-2.92%-15,012 bps
Deposit Growth (YoY)174.41%52.82%27.33%28.97%31.80%-14,262 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.80%0.57%0.00%3.74%17.03%+1,623 bps
Allowance / Loans1.53%2.59%2.53%7.49%2.46%+94 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 Capital11.71%12.12%13.02%6.82%0.83%-1,087 bps
Equity / Assets10.19%10.08%10.29%4.55%0.52%-967 bps
Liquidity & Funding
Loans / Deposits98.55%97.21%95.61%89.20%72.59%-2,596 bps
Liquid Assets / Assets0.00%0.00%0.02%0.02%8.38%+838 bps
CRE / Total Capitaln/an/an/an/an/an/an/a