PackageTrendsPeer
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Colony Bank Southeast

Broxton, GA · Cert 19653

FDIC

Q2 2008

$210.4MAssets
$185.2MLoans
$174.8MDeposits
$21.7MEquity
Loan mix
88%RE $106.3M12%C&I $13.9M0%Consumer $0.1MQ2 2007Q2 2008
Deposit mix
92%Interest-bearing $161.0M8%Noninterest $13.8MQ2 2007Q2 2008

NIM

7.14%Q2 ’068.06%Q2 ’076.60%Q2 ’080%-22%

Non-interest income vs. expense

2.46%Q2 ’062.56%Q2 ’072.32%Q2 ’08+7%-11%

Executive Summary

  • Earnings: ROA of -0.06%, down 87 bps year over year; NIM at 3.04%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.50%.
  • Funding: loans stand at 105.95% of deposits as of Q2 2008.

Financial Results

Return on Assets (YTD, annualized)

-0.06%-87 bps YoY

Net Interest Margin (YTD, annualized)

3.04%-86 bps YoY

Efficiency Ratio (YTD, annualized)

67.42%+791 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 Assets0.81%0.81%0.43%0.36%-0.06%-87 bps
Return on Equity9.27%9.13%4.81%3.54%-0.60%-987 bps
Net Interest Margin3.90%3.90%3.75%3.22%3.04%-86 bps
Efficiency Ratio59.51%58.89%59.70%64.92%67.42%+791 bps
Non-Interest Burden2.16%2.13%2.08%1.97%1.92%-24 bps
Growth
Asset Growth (YoY)2.31%3.13%-2.54%-0.24%2.66%+35 bps
Loan Growth (YoY)6.75%2.12%-0.51%0.37%4.82%-194 bps
Deposit Growth (YoY)3.82%2.63%-4.07%-2.75%-3.46%-728 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.53%0.44%0.58%1.87%1.50%+97 bps
Allowance / Loans1.24%1.25%1.75%1.61%1.80%+56 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 Capital11.58%11.12%12.19%13.15%13.25%+167 bps
Equity / Assets9.14%9.12%9.72%10.35%10.29%+115 bps
Liquidity & Funding
Loans / Deposits97.58%101.04%101.30%102.53%105.95%+836 bps
Liquid Assets / Assets0.23%0.17%0.13%0.10%0.04%-19 bps
CRE / Total Capitaln/an/an/an/an/an/an/a