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Bank of Perry, The

Perry, GA · Cert 8480

FDIC · 2 branches

Q4 2014

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: Q4 2014, the quarter ended December 31, 2014, 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

Bank of Perry, The

Perry, GA · Cert 8480

FDIC · 2 branches

Q4 2014

$116.4MAssets
$88.8MLoans
$98.7MDeposits
$8.0MEquity
Loan mix
81%RE $63.6M16%C&I $12.3M3%Consumer $2.7MQ4 2013Q4 2014
Deposit mix
72%Interest-bearing $71.2M28%Noninterest $27.4MQ4 2013Q4 2014

NIM

4.22%Q4 ’124.21%Q4 ’134.01%Q4 ’14+6%-3%

Non-interest income vs. expense

3.61%Q4 ’123.87%Q4 ’133.95%Q4 ’14-11%+18%

Market Position · Warner Robins, GA · 2014 SOD (annual) · 6.5% share · #7 of 13 inst. · $0.1B of $1.5B

Executive Summary

  • Earnings: ROA of -0.13%, down 116 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.23%.
  • Funding: loans stand at 89.98% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

-0.13%-116 bps YoY

Net Interest Margin (YTD, annualized)

3.78%-12 bps YoY

Efficiency Ratio (YTD, annualized)

86.55%+1,040 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets1.02%-0.21%-0.23%-0.35%-0.13%-116 bps
Return on Equity14.46%-2.93%-3.30%-5.06%-1.94%-1,640 bps
Net Interest Margin3.89%3.93%3.68%3.78%3.78%-12 bps
Efficiency Ratio76.15%92.45%87.68%86.26%86.55%+1,040 bps
Non-Interest Burden2.68%3.60%3.14%3.15%3.17%+48 bps
Growth
Asset Growth (YoY)1.78%-0.73%10.95%6.47%6.55%+478 bps
Loan Growth (YoY)2.85%8.81%19.54%10.60%9.00%+615 bps
Deposit Growth (YoY)4.49%1.70%1.68%-0.08%-2.67%-717 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.76%1.57%1.33%1.60%1.23%+47 bps
Allowance / Loans1.60%1.33%1.24%1.19%1.22%-38 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 Capital11.52%11.18%10.32%10.25%10.60%-92 bps
Equity / Assets7.07%7.04%6.70%6.60%6.85%-21 bps
Liquidity & Funding
Loans / Deposits80.34%81.83%92.16%90.89%89.98%+963 bps
Liquid Assets / Assets4.42%3.58%3.21%3.31%4.76%+34 bps
CRE / Total Capitaln/an/an/an/an/an/an/a