PackageTrendsPeer
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Chattahoochee Bank of Georgia

Gainesville, GA · Cert 58810

FDIC · 1 branch

Q3 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: Q3 2017, the quarter ended September 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

Chattahoochee Bank of Georgia

Gainesville, GA · Cert 58810

FDIC · 1 branch

Q3 2017

$189.4MAssets
$161.2MLoans
$165.6MDeposits
$23.6MEquity
Loan mix
85%RE $98.5M15%C&I $16.8M0%Consumer $0.5MQ3 2016Q3 2017
Deposit mix
83%Interest-bearing $136.9M17%Noninterest $28.7MQ3 2016Q3 2017

NIM

3.54%Q3 ’153.85%Q3 ’164.25%Q3 ’17+6%+11%

Non-interest income vs. expense

2.33%Q3 ’152.15%Q3 ’162.64%Q3 ’17-9%+25%

Market Position · Gainesville, GA · 2017 SOD (annual) · 4.6% share · #8 of 18 inst. · $0.2B of $3.5B

Executive Summary

  • Earnings: ROA of 0.76%, up 5 bps year over year; NIM at 3.61%.
  • 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 12.20%, up 45 bps from a year ago.
  • Funding: loans stand at 97.34% of deposits as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

0.76%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.61%+37 bps YoY

Efficiency Ratio (YTD, annualized)

71.92%+719 bps YoY

Tier 1 Leverage Ratio

12.20%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.71%0.73%0.78%0.72%0.76%+5 bps
Return on Equity5.69%6.03%6.86%6.28%6.44%+75 bps
Net Interest Margin3.24%3.20%3.38%3.56%3.61%+37 bps
Efficiency Ratio64.73%63.88%63.40%65.90%71.92%+719 bps
Non-Interest Burden2.07%2.02%2.13%2.33%2.58%+51 bps
Growth
Asset Growth (YoY)25.05%24.49%21.66%5.64%1.07%-2,398 bps
Loan Growth (YoY)19.58%16.12%12.50%11.86%7.13%-1,244 bps
Deposit Growth (YoY)32.92%31.74%35.91%12.58%12.00%-2,092 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 / Loans1.04%1.04%1.04%1.04%1.05%+1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.75%11.60%11.49%12.00%12.20%+45 bps
Total Risk-Based Capital14.15%14.12%14.04%14.05%14.51%+35 bps
Equity / Assets11.80%11.19%11.50%11.86%12.44%+64 bps
Liquidity & Funding
Loans / Deposits101.76%96.52%93.52%99.53%97.34%-442 bps
Liquid Assets / Assets2.54%2.57%2.80%3.15%5.53%+298 bps
CRE / Total Capitaln/an/an/an/an/an/an/a