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

7.07%Q2 ’067.64%Q2 ’076.18%Q2 ’08-3%-19%

Non-interest income vs. expense

2.89%Q2 ’062.76%Q2 ’072.54%Q2 ’08-10%-4%

Executive Summary

  • Earnings: ROA of 0.96%, down 45 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.21%.
  • Funding: loans stand at 88.10% of deposits as of Q2 2008.

Financial Results

Return on Assets (quarter, annualized)

0.96%-45 bps YoY

Net Interest Margin (quarter, annualized)

3.10%-75 bps YoY

Efficiency Ratio (quarter, annualized)

63.08%+715 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets1.41%1.42%0.09%1.31%0.96%-45 bps
Return on Equity20.34%20.61%1.24%18.46%12.83%-751 bps
Net Interest Margin3.85%3.77%3.48%3.32%3.10%-75 bps
Efficiency Ratio55.93%55.00%63.70%60.51%63.08%+715 bps
Non-Interest Burden1.68%1.61%1.87%1.64%1.62%-6 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 / Loans0.13%0.24%2.23%0.08%0.21%+8 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