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Lagrange Banking Company

Lagrange, GA · Cert 58670

FDIC · 2 branches

Q1 2019

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: Q1 2019, the quarter ended March 31, 2019, 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

Lagrange Banking Company

Lagrange, GA · Cert 58670

FDIC · 2 branches

Q1 2019

$207.3MAssets
$132.0MLoans
$185.3MDeposits
$20.4MEquity
Loan mix
75%RE $78.9M19%C&I $19.9M6%Consumer $6.2MQ1 2018Q1 2019
Deposit mix
85%Interest-bearing $157.3M15%Noninterest $28.0MQ1 2018Q1 2019

NIM

3.71%Q1 ’174.22%Q1 ’184.46%Q1 ’19+13%-3%

Non-interest income vs. expense

2.91%Q1 ’172.59%Q1 ’182.26%Q1 ’19-9%-7%

Market Position · Columbus, GA-AL · 2018 SOD (annual) · 0.7% share · #10 of 17 inst. · $0.1B of $8.4B

11.2% Troup
0.8% Muscogee

Executive Summary

  • Earnings: ROA of 1.13%, up 1 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.25% of loans (-14 bps YoY), with net charge-offs at 0.52%.
  • Capital: tier 1 leverage ratio of 9.86%, up 19 bps from a year ago.
  • Funding: loans stand at 71.22% of deposits as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

1.13%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.51%-11 bps YoY

Efficiency Ratio (YTD, annualized)

59.53%-390 bps YoY

Tier 1 Leverage Ratio

9.86%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets1.12%1.16%1.16%1.15%1.13%+1 bps
Return on Equity12.57%13.11%13.30%13.04%11.70%-86 bps
Net Interest Margin3.61%3.61%3.38%3.33%3.51%-11 bps
Efficiency Ratio63.43%61.96%61.40%60.55%59.53%-390 bps
Non-Interest Burden2.12%2.08%1.94%1.89%1.97%-15 bps
Growth
Asset Growth (YoY)17.21%20.23%22.61%11.53%5.21%-1,200 bps
Loan Growth (YoY)9.33%11.67%6.55%7.06%2.80%-653 bps
Deposit Growth (YoY)16.88%21.56%24.03%10.66%5.90%-1,098 bps
Asset Quality
Nonperforming Loans / Loans0.39%0.28%0.30%0.27%0.25%-14 bps
Net Charge-Offs / Loans0.03%0.09%0.09%0.09%0.52%+49 bps
Allowance / Loans1.25%1.20%1.19%1.16%1.11%-14 bps
Allowance Coverage of NPLs3.2x4.3x4.0x4.3x4.5x+1.2x
Capital
Tier 1 Leverage Ratio9.67%9.68%9.26%9.20%9.86%+19 bps
Total Risk-Based Capital13.93%13.78%13.67%13.90%14.07%+14 bps
Equity / Assets9.03%8.77%8.21%9.44%9.85%+82 bps
Liquidity & Funding
Loans / Deposits73.37%70.84%63.75%74.54%71.22%-215 bps
Liquid Assets / Assets6.85%10.01%12.85%4.27%6.44%-41 bps
CRE / Total Capitaln/an/an/an/an/an/an/a