PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

3.67%Q4 ’113.05%Q4 ’122.64%Q4 ’13-16%-12%

Non-interest income vs. expense

3.75%Q4 ’114.33%Q4 ’124.24%Q4 ’13+11%-3%

Executive Summary

  • Earnings: ROA of -0.46%, down 22 bps year over year; NIM at 2.49%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.60%.
  • Funding: loans stand at 39.07% of deposits as of Q4 2013.

Financial Results

Return on Assets (quarter, annualized)

-0.46%-22 bps YoY

Net Interest Margin (quarter, annualized)

2.49%-33 bps YoY

Efficiency Ratio (quarter, annualized)

112.30%+656 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets-0.23%0.30%0.05%0.06%-0.46%-22 bps
Return on Equity-2.20%2.92%0.50%0.57%-4.48%-228 bps
Net Interest Margin2.82%2.69%2.65%2.72%2.49%-33 bps
Efficiency Ratio105.74%92.07%98.65%98.45%112.30%+656 bps
Non-Interest Burden3.05%2.38%2.60%2.66%2.95%-10 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 / Loans0.00%0.20%0.02%0.02%0.60%+60 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