Century South Bank of Northeast Georgia, N.A.

Gainesville, GA · Cert 26503

FDIC

Q3 2001

$510.1MAssets

$318.0MLoans

$247.9MDeposits

$32.7MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 1.41%, down 25 bps year over year; NIM at 3.73%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.31%.
Funding: loans stand at 128.31% of deposits as of Q3 2001.

Return on Assets (quarter, annualized)

1.41%-25 bps YoY

Net Interest Margin (quarter, annualized)

3.73%

Efficiency Ratio (quarter, annualized)

55.38%

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	1.19%	1.40%	1.62%	1.66%	1.58%	1.35%	-1.98%	1.41%	-25 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	-24.37%	20.32%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	4.53%	4.46%	3.73%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	59.73%	152.71%	55.38%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	2.27%	6.64%	1.73%	n/a
Growth
Asset Growth (YoY)	57.81%	18.37%	83.93%	83.77%	76.26%	72.91%	18.10%	43.43%	-4,034 bps
Loan Growth (YoY)	70.63%	18.29%	76.32%	71.18%	77.81%	80.18%	23.44%	15.67%	-5,551 bps
Deposit Growth (YoY)	59.41%	14.42%	66.14%	61.14%	36.44%	50.89%	-6.55%	-10.35%	-7,149 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	0.42%	0.03%	0.31%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	1.19%	1.57%	1.56%	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	11.43%	10.29%	10.46%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	8.71%	7.59%	6.41%	n/a
Liquidity & Funding
Loans / Deposits	85.68%	89.71%	93.63%	99.45%	111.66%	107.13%	123.67%	128.31%	+2,886 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.83%	0.03%	0.03%	+3 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a