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Keystone Bank

Auburn, AL · Cert 58382

FDIC · 3 branches

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

Keystone Bank

Auburn, AL · Cert 58382

FDIC · 3 branches

Q3 2015

$255.2MAssets
$179.9MLoans
$218.2MDeposits
$28.7MEquity
Loan mix
87%RE $142.4M7%C&I $12.2M6%Consumer $9.5MQ3 2014Q3 2015
Deposit mix
86%Interest-bearing $186.9M14%Noninterest $31.3MQ3 2014Q3 2015

NIM

4.28%Q3 ’134.14%Q3 ’144.00%Q3 ’15+0%-2%

Non-interest income vs. expense

2.49%Q3 ’132.53%Q3 ’142.68%Q3 ’15+2%-3%

Market Position · Auburn-Opelika, AL · 2015 SOD (annual) · 5.7% share · #8 of 17 inst. · $0.1B of $2.3B

5.7% Lee
8.4% Etowah

Executive Summary

  • Earnings: ROA of 1.08%, down 6 bps year over year; NIM at 3.46%.
  • 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 11.09%.
  • Funding: loans stand at 82.45% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

1.08%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.46%-8 bps YoY

Efficiency Ratio (YTD, annualized)

62.66%+181 bps YoY

Tier 1 Leverage Ratio

11.09%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets1.13%1.09%1.12%0.98%1.08%-6 bps
Return on Equity10.76%10.18%10.11%8.83%9.71%-105 bps
Net Interest Margin3.54%3.58%3.53%3.48%3.46%-8 bps
Efficiency Ratio60.86%61.41%59.87%66.70%62.66%+181 bps
Non-Interest Burden1.91%1.96%1.81%2.05%1.86%-5 bps
Growth
Asset Growth (YoY)1.74%1.77%5.11%5.15%6.72%+498 bps
Loan Growth (YoY)6.03%5.54%11.47%8.54%10.82%+479 bps
Deposit Growth (YoY)0.87%0.88%4.37%4.63%6.45%+558 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.15%0.24%0.02%0.06%0.05%-10 bps
Allowance / Loans1.42%1.43%1.42%1.36%1.40%-2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a11.07%10.94%11.09%n/a
Total Risk-Based Capital15.16%16.12%15.24%15.09%15.41%+25 bps
Equity / Assets11.06%11.26%11.00%10.87%11.27%+21 bps
Liquidity & Funding
Loans / Deposits79.20%80.75%80.03%81.55%82.45%+325 bps
Liquid Assets / Assets7.72%6.43%8.75%8.79%7.59%-13 bps
CRE / Total Capitaln/an/an/an/an/an/an/a