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First National Bank of Barnesville, The

Barnesville, GA · Cert 2119

FDIC

Q3 2010

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 2010, the quarter ended September 30, 2010, on both parts.

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

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Barnesville, The

Barnesville, GA · Cert 2119

FDIC

Q3 2010

$126.6MAssets
$91.1MLoans
$122.9MDeposits
$2.7MEquity
Deposit mix
93%Interest-bearing $114.2M7%Noninterest $8.7MQ3 2009Q3 2010

NIM

6.39%Q3 ’085.31%Q3 ’094.43%Q3 ’10-16%-13%

Non-interest income vs. expense

3.05%Q3 ’082.68%Q3 ’093.43%Q3 ’10+1%+48%

Executive Summary

  • Earnings: ROA of -7.11%, down 526 bps year over year; NIM at 2.61%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 11.81%.
  • Funding: loans stand at 74.10% of deposits as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

-7.11%-526 bps YoY

Net Interest Margin (YTD, annualized)

2.61%-41 bps YoY

Efficiency Ratio (YTD, annualized)

144.84%+6,128 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets-1.85%-1.92%-1.05%-9.80%-7.11%-526 bps
Return on Equity-23.40%-24.85%-15.19%-179.20%-152.18%-12,879 bps
Net Interest Margin3.01%3.12%3.11%3.01%2.61%-41 bps
Efficiency Ratio83.56%109.38%91.61%133.24%144.84%+6,128 bps
Non-Interest Burden2.49%3.36%2.80%3.86%3.67%+118 bps
Growth
Asset Growth (YoY)3.54%-3.61%-7.02%-7.89%-12.14%-1,568 bps
Loan Growth (YoY)5.32%-6.53%-12.20%-16.22%-22.21%-2,753 bps
Deposit Growth (YoY)6.54%-0.90%-5.04%0.59%-4.65%-1,119 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.73%2.33%3.50%11.85%11.81%+1,109 bps
Allowance / Loans3.37%3.13%3.00%3.72%1.47%-191 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 Capital10.33%9.84%9.79%3.04%2.57%-775 bps
Equity / Assets7.28%7.03%6.84%2.41%2.12%-516 bps
Liquidity & Funding
Loans / Deposits90.82%86.88%84.32%76.68%74.10%-1,673 bps
Liquid Assets / Assets0.22%0.14%0.34%0.64%1.37%+116 bps
CRE / Total Capitaln/an/an/an/an/an/an/a