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Crescent Bank and Trust Company

Jasper, GA · Cert 27559

FDIC

Q2 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: Q2 2010, the quarter ended June 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

Crescent Bank and Trust Company

Jasper, GA · Cert 27559

FDIC

Q2 2010

$970.2MAssets
$649.9MLoans
$932.8MDeposits
$6.7MEquity
Loan mix
94%RE $510.8M6%C&I $31.4M0%Consumer $1.6MQ2 2009Q2 2010
Deposit mix
96%Interest-bearing $895.7M4%Noninterest $37.1MQ2 2009Q2 2010

NIM

5.82%Q2 ’084.37%Q2 ’093.67%Q2 ’10-49%+26%

Non-interest income vs. expense

2.31%Q2 ’082.55%Q2 ’093.18%Q2 ’10+13%+30%

Executive Summary

  • Earnings: ROA of -3.84%, down 119 bps year over year; NIM at 1.34%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 8.42%.
  • Funding: loans stand at 69.67% of deposits as of Q2 2010.

Financial Results

Return on Assets (YTD, annualized)

-3.84%-119 bps YoY

Net Interest Margin (YTD, annualized)

1.34%+28 bps YoY

Efficiency Ratio (YTD, annualized)

188.61%+999 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q2 2010YoY ΔTrend
Earnings
Return on Assets-2.65%-2.88%-3.34%-5.29%-3.84%-119 bps
Return on Equity-50.83%-59.67%-75.89%-279%-256%-20,512 bps
Net Interest Margin1.06%1.12%1.24%1.66%1.34%+28 bps
Efficiency Ratio178.61%163.82%167.71%131.90%188.61%+999 bps
Non-Interest Burden2.19%2.07%2.34%2.31%2.84%+65 bps
Growth
Asset Growth (YoY)6.26%-0.93%-4.20%-4.72%-6.33%-1,259 bps
Loan Growth (YoY)-5.69%-6.38%-6.93%-8.78%-15.84%-1,015 bps
Deposit Growth (YoY)11.63%4.22%-0.51%-0.27%-1.88%-1,351 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.32%2.16%2.81%7.26%8.42%+710 bps
Allowance / Loans3.25%3.33%3.82%3.77%1.88%-137 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 Capital6.84%5.81%4.44%2.80%1.58%-526 bps
Equity / Assets4.53%3.64%2.58%1.22%0.69%-384 bps
Liquidity & Funding
Loans / Deposits81.22%78.73%78.41%73.34%69.67%-1,155 bps
Liquid Assets / Assets12.61%16.11%14.94%19.32%17.80%+518 bps
CRE / Total Capitaln/an/an/an/an/an/an/a