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Resurgens Bank

Atlanta, GA · Cert 58750

FDIC · 2 branches

Q2 2017

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: Q2 2017, the quarter ended June 30, 2017, 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

Resurgens Bank

Atlanta, GA · Cert 58750

FDIC · 2 branches

Q2 2017

$163.3MAssets
$135.3MLoans
$133.6MDeposits
$19.1MEquity
Loan mix
84%RE $94.4M16%C&I $18.2M0%Consumer $0.2MQ2 2016Q2 2017
Deposit mix
81%Interest-bearing $108.1M19%Noninterest $25.5MQ2 2016Q2 2017

NIM

4.66%Q2 ’154.60%Q2 ’164.82%Q2 ’17-2%+6%

Non-interest income vs. expense

3.25%Q2 ’152.97%Q2 ’163.09%Q2 ’17-2%+17%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2017 SOD (annual) · 0.1% share · #51 of 88 inst. · $0.1B of $166.9B

Executive Summary

  • Earnings: ROA of 1.58%, down 12 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.41%, down 6 bps from a year ago.
  • Funding: loans stand at 101.26% of deposits as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

1.58%-12 bps YoY

Net Interest Margin (YTD, annualized)

4.22%+25 bps YoY

Efficiency Ratio (YTD, annualized)

66.56%+269 bps YoY

Tier 1 Leverage Ratio

11.41%-6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets1.71%1.57%1.62%1.37%1.58%-12 bps
Return on Equity14.71%13.54%13.94%12.08%13.86%-84 bps
Net Interest Margin3.97%4.08%4.03%4.42%4.22%+25 bps
Efficiency Ratio63.88%66.22%65.75%70.11%66.56%+269 bps
Non-Interest Burden2.29%2.52%2.47%3.04%2.67%+38 bps
Growth
Asset Growth (YoY)21.43%16.47%11.45%7.34%5.23%-1,620 bps
Loan Growth (YoY)29.48%23.51%18.68%12.48%7.17%-2,231 bps
Deposit Growth (YoY)22.41%19.02%12.76%8.65%5.26%-1,715 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.38%1.31%1.28%1.31%1.31%-8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.47%11.81%11.69%11.33%11.41%-6 bps
Total Risk-Based Capital14.92%14.57%14.71%14.46%15.14%+22 bps
Equity / Assets11.38%11.50%11.66%10.96%11.67%+29 bps
Liquidity & Funding
Loans / Deposits99.46%102.86%104.67%98.24%101.26%+180 bps
Liquid Assets / Assets11.13%8.30%6.54%11.66%10.18%-95 bps
CRE / Total Capitaln/an/an/an/an/an/an/a