Knight State Bank

Dexter, GA · Cert 19688

FDIC

Q3 2001

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: Q3 2001, the quarter ended September 30, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Dexter, GA · Cert 19688

FDIC

Q3 2001

$2.4MAssets

n/aLoans

n/aDeposits

$1.9MEquity

Return on Assets (YTD, annualized)

10.22%+970 bps YoY

Net Interest Margin (YTD, annualized)

11.29%

Efficiency Ratio (YTD, annualized)

22.33%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	YoY Δ	Trend
Earnings
Return on Assets	0.52%	0.51%	19.61%	13.02%	10.22%	+970 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	3.80%	13.66%	11.29%	n/a
Efficiency Ratio	n/a	n/a	15.35%	18.77%	22.33%	n/a
Non-Interest Burden	n/a	n/a	-26.83%	-86.67%	-68.00%	n/a
Growth
Asset Growth (YoY)	-3.77%	-4.68%	-87.10%	-90.92%	-91.47%	-8,770 bps
Loan Growth (YoY)	18.64%	6.01%	-100.00%	-100.00%	-100.00%	-11,864 bps
Deposit Growth (YoY)	-1.08%	-1.87%	-100.00%	-100.00%	-100.00%	-9,892 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	1.05%	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	332%	1386%	3379%	n/a
Equity / Assets	n/a	n/a	84.09%	78.37%	80.25%	n/a
Liquidity & Funding
Loans / Deposits	79.42%	72.51%	n/a	n/a	n/a	n/a
Liquid Assets / Assets	0.00%	0.00%	36.07%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a