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Peachtree Bank

Maplesville, AL · Cert 68

FDIC

Q4 2013

$53.9MAssets
$17.9MLoans
$45.9MDeposits
$5.5MEquity
Loan mix
75%RE $11.4M11%C&I $1.6M14%Consumer $2.2MQ4 2012Q4 2013
Deposit mix
70%Interest-bearing $31.9M30%Noninterest $14.0MQ4 2012Q4 2013

NIM

3.80%Q4 ’113.37%Q4 ’122.83%Q4 ’13-8%-15%

Non-interest income vs. expense

4.10%Q4 ’114.31%Q4 ’123.86%Q4 ’13+8%-16%

Executive Summary

  • Earnings: ROA of -0.01%, up 24 bps year over year; NIM at 2.66%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.22%.
  • Funding: loans stand at 39.07% of deposits as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

-0.01%+24 bps YoY

Net Interest Margin (YTD, annualized)

2.66%-46 bps YoY

Efficiency Ratio (YTD, annualized)

100.29%-86 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets-0.25%0.30%0.18%0.14%-0.01%+24 bps
Return on Equity-2.36%2.92%1.71%1.33%-0.11%+225 bps
Net Interest Margin3.12%2.69%2.63%2.68%2.66%-46 bps
Efficiency Ratio101.16%92.07%95.37%96.39%100.29%-86 bps
Non-Interest Burden3.17%2.38%2.45%2.54%2.67%-50 bps
Growth
Asset Growth (YoY)1.10%2.39%-0.17%2.76%0.72%-39 bps
Loan Growth (YoY)-6.97%-7.21%-9.04%-2.30%-9.85%-288 bps
Deposit Growth (YoY)1.34%2.59%-0.11%3.36%0.88%-45 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.94%0.20%0.12%0.08%0.22%-72 bps
Allowance / Loans1.05%1.00%1.03%0.99%0.94%-10 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital19.61%19.24%19.60%19.74%20.40%+79 bps
Equity / Assets10.48%10.36%10.22%10.18%10.19%-28 bps
Liquidity & Funding
Loans / Deposits43.73%42.70%40.99%42.45%39.07%-465 bps
Liquid Assets / Assets30.66%34.38%38.04%35.72%40.38%+972 bps
CRE / Total Capitaln/an/an/an/an/an/an/a