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Bartow County Bank

Cartersville, GA · Cert 21495

FDIC

Q1 2011

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: Q1 2011, the quarter ended March 31, 2011, 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

Bartow County Bank

Cartersville, GA · Cert 21495

FDIC

Q1 2011

$314.0MAssets
$222.2MLoans
$290.0MDeposits
$852KEquity
Loan mix
89%RE $159.1M9%C&I $16.6M2%Consumer $3.8MQ1 2010Q1 2011
Deposit mix
83%Interest-bearing $241.6M17%Noninterest $48.4MQ1 2010Q1 2011

NIM

4.60%Q1 ’093.73%Q1 ’103.48%Q1 ’11-30%+42%

Non-interest income vs. expense

2.32%Q1 ’092.66%Q1 ’103.58%Q1 ’11+16%+94%

Executive Summary

  • Earnings: ROA of -2.21%, down 80 bps year over year; NIM at 2.08%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 10.65%.
  • Funding: loans stand at 76.62% of deposits as of Q1 2011.

Financial Results

Return on Assets (YTD, annualized)

-2.21%-80 bps YoY

Net Interest Margin (YTD, annualized)

2.08%+62 bps YoY

Efficiency Ratio (YTD, annualized)

265%+12,482 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2010Q2 2010Q3 2010Q4 2010Q1 2011YoY ΔTrend
Earnings
Return on Assets-1.40%-2.13%-2.28%-4.92%-2.21%-80 bps
Return on Equity-28.47%-44.05%-48.66%-123.05%-422%-39,338 bps
Net Interest Margin1.46%1.64%1.84%1.88%2.08%+62 bps
Efficiency Ratio139.77%206%189.61%175.10%265%+12,482 bps
Non-Interest Burden2.22%3.14%3.36%3.37%4.30%+208 bps
Growth
Asset Growth (YoY)-7.58%-12.59%-17.57%-22.71%-23.68%-1,610 bps
Loan Growth (YoY)-10.66%-14.03%-17.31%-19.57%-20.58%-992 bps
Deposit Growth (YoY)-5.21%-10.88%-14.66%-18.24%-18.94%-1,373 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.87%2.55%4.73%5.23%10.65%+877 bps
Allowance / Loans2.93%3.21%2.49%2.97%0.45%-248 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 Capital8.18%6.19%4.90%2.16%0.67%-751 bps
Equity / Assets4.85%4.60%4.17%0.76%0.27%-458 bps
Liquidity & Funding
Loans / Deposits78.21%80.86%77.47%76.53%76.62%-158 bps
Liquid Assets / Assets19.06%15.70%13.51%12.77%9.82%-923 bps
CRE / Total Capitaln/an/an/an/an/an/an/a