Eagle Bank and Trust

Statesboro, GA · Cert 33312

FDIC

Q4 2001

$95.9MAssets

$78.4MLoans

$82.5MDeposits

$7.4MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 0.12%, down 81 bps year over year; NIM at 3.78%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.75%.
Funding: loans stand at 94.96% of deposits as of Q4 2001.

Return on Assets (quarter, annualized)

0.12%-81 bps YoY

Net Interest Margin (quarter, annualized)

3.78%

Efficiency Ratio (quarter, annualized)

55.72%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	Q4 2001	YoY Δ	Trend
Earnings
Return on Assets	1.10%	1.07%	1.06%	0.94%	0.94%	0.57%	1.59%	0.12%	-81 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	8.10%	21.97%	1.66%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	3.49%	3.43%	3.51%	3.78%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	64.49%	78.92%	58.25%	55.72%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	1.95%	2.50%	1.22%	1.52%	n/a
Growth
Asset Growth (YoY)	15.27%	16.51%	21.25%	13.08%	22.57%	12.23%	5.61%	1.16%	-1,192 bps
Loan Growth (YoY)	20.07%	20.84%	22.56%	22.32%	18.08%	13.12%	10.23%	4.68%	-1,764 bps
Deposit Growth (YoY)	11.99%	10.81%	24.28%	14.96%	27.41%	18.73%	4.14%	2.62%	-1,234 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	0.04%	-0.01%	0.07%	1.75%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	1.25%	1.26%	1.24%	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	10.46%	10.23%	10.60%	10.94%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	6.90%	7.25%	7.20%	7.75%	n/a
Liquidity & Funding
Loans / Deposits	97.19%	98.21%	90.43%	93.09%	90.07%	93.57%	95.72%	94.96%	+187 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.24%	0.28%	0.28%	0.43%	+43 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a