Century South Bank of the Coastal Region, N.A.

Savannah, GA · Cert 26213

FDIC

Q3 2001

$226.2MAssets

$172.0MLoans

$133.1MDeposits

$16.9MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 1.10%, down 57 bps year over year; NIM at 3.94%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.82%.
Funding: loans stand at 129.26% of deposits as of Q3 2001.

Return on Assets (quarter, annualized)

1.10%-57 bps YoY

Net Interest Margin (quarter, annualized)

3.94%

Efficiency Ratio (quarter, annualized)

61.49%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	YoY Δ	Trend
Earnings
Return on Assets	1.38%	1.49%	1.56%	1.67%	1.64%	1.11%	-3.25%	1.10%	-57 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	-38.60%	14.36%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	4.37%	4.24%	3.94%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	61.97%	668%	61.49%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	2.31%	8.33%	2.16%	n/a
Growth
Asset Growth (YoY)	36.38%	17.03%	16.20%	12.62%	7.13%	9.52%	2.87%	12.41%	-20 bps
Loan Growth (YoY)	31.24%	25.93%	21.40%	19.48%	15.76%	10.10%	5.93%	8.18%	-1,130 bps
Deposit Growth (YoY)	25.31%	19.88%	12.15%	11.44%	-1.79%	7.08%	-2.77%	-15.71%	-2,716 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	0.09%	-0.03%	0.82%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	1.15%	1.62%	1.40%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	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	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	12.34%	10.57%	10.54%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	9.01%	7.86%	7.46%	n/a
Liquidity & Funding
Loans / Deposits	86.02%	90.90%	93.86%	100.71%	101.39%	93.46%	102.26%	129.26%	+2,855 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.17%	0.14%	0.12%	+12 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a