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Colony Bank Wilcox

Rochelle, GA · Cert 10056

FDIC

Q2 2008

$54.4MAssets
$41.1MLoans
$47.9MDeposits
$4.3MEquity
Loan mix
100%RE $17.2M0%C&I $0.1M0%Consumer $0.0MQ2 2007Q2 2008
Deposit mix
93%Interest-bearing $44.6M7%Noninterest $3.3MQ2 2007Q2 2008

NIM

7.43%Q2 ’067.60%Q2 ’077.08%Q2 ’08-9%-5%

Non-interest income vs. expense

2.44%Q2 ’062.45%Q2 ’072.22%Q2 ’08-3%-3%

Executive Summary

  • Earnings: ROA of 1.55%, up 13 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.15%.
  • Funding: loans stand at 85.81% of deposits as of Q2 2008.

Financial Results

Return on Assets (YTD, annualized)

1.55%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.59%-21 bps YoY

Efficiency Ratio (YTD, annualized)

52.37%-52 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets1.42%1.45%1.45%1.53%1.55%+13 bps
Return on Equity16.86%17.47%17.42%18.49%19.05%+219 bps
Net Interest Margin3.80%3.77%3.82%3.79%3.59%-21 bps
Efficiency Ratio52.90%51.63%52.57%53.29%52.37%-52 bps
Non-Interest Burden1.62%1.54%1.62%1.70%1.58%-4 bps
Growth
Asset Growth (YoY)4.99%5.54%5.13%8.34%3.56%-143 bps
Loan Growth (YoY)-0.63%7.30%2.24%8.97%2.05%+267 bps
Deposit Growth (YoY)6.01%5.59%5.11%8.51%3.86%-215 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.51%-0.06%0.05%0.03%0.15%-36 bps
Allowance / Loans0.98%1.28%1.31%1.28%1.22%+24 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 Capital11.32%11.32%12.04%11.81%11.51%+18 bps
Equity / Assets7.94%8.00%8.30%8.28%7.83%-11 bps
Liquidity & Funding
Loans / Deposits87.34%91.42%87.27%89.05%85.81%-152 bps
Liquid Assets / Assets0.54%0.61%0.40%0.49%0.71%+17 bps
CRE / Total Capitaln/an/an/an/an/an/an/a