PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Colony Bank of Dodge County

Eastman, GA · Cert 19792

FDIC

Q2 2008

$82.3MAssets
$64.0MLoans
$72.6MDeposits
$6.2MEquity
Loan mix
86%RE $36.1M11%C&I $4.7M2%Consumer $1.0MQ2 2007Q2 2008
Deposit mix
90%Interest-bearing $65.1M10%Noninterest $7.5MQ2 2007Q2 2008

NIM

6.83%Q2 ’067.44%Q2 ’076.55%Q2 ’08-4%-13%

Non-interest income vs. expense

2.78%Q2 ’062.71%Q2 ’072.58%Q2 ’08-5%-2%

Executive Summary

  • Earnings: ROA of 1.14%, down 22 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.14%.
  • Funding: loans stand at 88.10% of deposits as of Q2 2008.

Financial Results

Return on Assets (YTD, annualized)

1.14%-22 bps YoY

Net Interest Margin (YTD, annualized)

3.24%-48 bps YoY

Efficiency Ratio (YTD, annualized)

61.74%+474 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 Assets1.36%1.38%1.05%1.31%1.14%-22 bps
Return on Equity19.43%19.77%15.07%18.46%15.68%-374 bps
Net Interest Margin3.71%3.64%3.57%3.32%3.24%-48 bps
Efficiency Ratio57.01%56.31%58.11%60.51%61.74%+474 bps
Non-Interest Burden1.67%1.60%1.66%1.64%1.64%-3 bps
Growth
Asset Growth (YoY)11.25%7.87%9.61%2.20%-5.77%-1,702 bps
Loan Growth (YoY)13.41%7.33%6.45%6.03%-3.16%-1,657 bps
Deposit Growth (YoY)10.64%8.09%9.14%0.55%-5.74%-1,638 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.25%0.24%0.75%0.08%0.14%-11 bps
Allowance / Loans1.15%1.09%1.17%1.21%1.22%+7 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 Capital10.11%10.29%10.60%11.14%11.41%+129 bps
Equity / Assets6.76%7.00%6.85%7.38%7.54%+78 bps
Liquidity & Funding
Loans / Deposits85.75%85.22%78.77%84.42%88.10%+235 bps
Liquid Assets / Assets0.14%0.20%0.17%1.42%1.73%+160 bps
CRE / Total Capitaln/an/an/an/an/an/an/a