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Gainesville Bank & Trust

Gainesville, GA · Cert 27158

FDIC

Q2 2008

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: Q2 2008, the quarter ended June 30, 2008, 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

Gainesville Bank & Trust

Gainesville, GA · Cert 27158

FDIC

Q2 2008

$689.5MAssets
$486.8MLoans
$408.9MDeposits
$111.6MEquity
Loan mix
88%RE $321.7M11%C&I $40.2M1%Consumer $2.6MQ2 2007Q2 2008
Deposit mix
84%Interest-bearing $343.2M16%Noninterest $65.6MQ2 2007Q2 2008

NIM

6.67%Q2 ’066.96%Q2 ’071.67%Q2 ’08-10%-74%

Non-interest income vs. expense

2.74%Q2 ’062.75%Q2 ’071.10%Q2 ’080%-64%

Executive Summary

  • Earnings: ROA of -0.03%, down 99 bps year over year; NIM at 0.95%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 119.06% of deposits as of Q2 2008.

Financial Results

Return on Assets (YTD, annualized)

-0.03%-99 bps YoY

Net Interest Margin (YTD, annualized)

0.95%-270 bps YoY

Efficiency Ratio (YTD, annualized)

78.83%+1,506 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets0.96%0.84%0.72%-0.83%-0.03%-99 bps
Return on Equity8.82%7.71%6.67%-7.62%-0.22%-903 bps
Net Interest Margin3.65%3.61%3.57%2.92%0.95%-270 bps
Efficiency Ratio63.78%62.91%63.98%74.08%78.83%+1,506 bps
Non-Interest Burden2.13%2.05%2.07%2.02%0.76%-137 bps
Growth
Asset Growth (YoY)5.40%0.26%5.94%-0.56%-0.50%-590 bps
Loan Growth (YoY)6.07%3.62%6.38%4.22%-10.12%-1,618 bps
Deposit Growth (YoY)-0.46%-2.32%2.58%-4.96%-21.14%-2,068 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.07%0.39%0.73%0.01%0.01%-6 bps
Allowance / Loans1.00%1.04%0.90%1.68%13.06%+1,207 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 Capital10.52%10.90%11.03%11.13%11.22%+71 bps
Equity / Assets10.41%10.75%10.87%10.96%16.19%+578 bps
Liquidity & Funding
Loans / Deposits104.46%108.81%108.32%110.85%119.06%+1,460 bps
Liquid Assets / Assets0.03%0.04%0.04%0.01%0.02%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a