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Vinings Bank

Smyrna, GA · Cert 58533

FDIC · 2 branches

Q3 2022

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 2022, the quarter ended September 30, 2022, 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

Vinings Bank

Smyrna, GA · Cert 58533

FDIC · 2 branches

Q3 2022

$523.4MAssets
$279.4MLoans
$500.8MDeposits
$18.6MEquity
Loan mix
86%RE $179.3M14%C&I $29.2M0%Consumer $0.2MQ3 2021Q3 2022
Deposit mix
81%Interest-bearing $406.5M19%Noninterest $94.3MQ3 2021Q3 2022

NIM

2.50%Q3 ’203.54%Q3 ’213.18%Q3 ’22+15%-13%

Non-interest income vs. expense

1.56%Q3 ’201.92%Q3 ’211.91%Q3 ’22+19%+4%

Market Position · Atlanta-Sandy Springs-Alpharetta, GA · 2022 SOD (annual) · 0.2% share · #31 of 83 inst. · $0.6B of $244.2B

1.8% Cobb
0.1% Fulton

Executive Summary

  • Earnings: ROA of -2.96%, down 513 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.00% of loans (-65 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 5.06%, down 216 bps from a year ago.
  • Funding: loans stand at 55.79% of deposits as of Q3 2022.

Financial Results

Return on Assets (YTD, annualized)

-2.96%-513 bps YoY

Net Interest Margin (YTD, annualized)

2.96%-44 bps YoY

Efficiency Ratio (YTD, annualized)

55.97%+508 bps YoY

Tier 1 Leverage Ratio

5.06%-216 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets2.17%1.80%0.50%0.08%-2.96%-513 bps
Return on Equity33.05%26.92%8.32%1.61%-63.46%-9,651 bps
Net Interest Margin3.40%3.21%2.59%2.66%2.96%-44 bps
Efficiency Ratio50.88%55.42%59.10%59.43%55.97%+508 bps
Non-Interest Burden1.40%1.50%1.21%1.37%1.46%+6 bps
Growth
Asset Growth (YoY)-6.59%-0.77%-18.24%-12.16%-19.87%-1,328 bps
Loan Growth (YoY)-27.31%-32.10%-38.36%-16.46%6.77%+3,408 bps
Deposit Growth (YoY)26.50%39.86%16.11%5.99%-11.84%-3,834 bps
Asset Quality
Nonperforming Loans / Loans0.65%0.00%0.00%0.00%0.00%-65 bps
Net Charge-Offs / Loans0.06%0.43%0.00%-0.05%-0.03%-9 bps
Allowance / Loans0.95%1.01%1.05%1.03%0.96%+1 bps
Allowance Coverage of NPLs1.5xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio7.23%7.19%7.03%7.11%5.06%-216 bps
Total Risk-Based Capital12.87%13.06%12.68%12.16%8.91%-396 bps
Equity / Assets7.49%7.09%4.97%2.55%3.54%-394 bps
Liquidity & Funding
Loans / Deposits46.07%38.65%38.53%43.65%55.79%+973 bps
Liquid Assets / Assets1.07%12.87%13.16%17.27%16.99%+1,592 bps
CRE / Total Capitaln/an/an/an/an/an/an/a