Century South Bank of Central Georgia, N.A.

Macon, GA · Cert 33733

FDIC

Q3 2001

$306.5MAssets

$159.7MLoans

$243.1MDeposits

$18.5MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 0.16%, down 119 bps year over year; NIM at 3.63%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.16%.
Funding: loans stand at 65.69% of deposits as of Q3 2001.

Return on Assets (YTD, annualized)

0.16%-119 bps YoY

Net Interest Margin (YTD, annualized)

3.63%

Efficiency Ratio (YTD, annualized)

86.18%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	YoY Δ	Trend
Earnings
Return on Assets	1.42%	1.16%	1.22%	1.34%	1.26%	1.26%	-0.08%	0.16%	-119 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	4.47%	3.70%	3.63%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	61.23%	93.53%	86.18%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	2.27%	3.44%	3.07%	n/a
Growth
Asset Growth (YoY)	8.66%	17.33%	14.10%	13.68%	21.07%	23.04%	21.90%	39.70%	+2,603 bps
Loan Growth (YoY)	8.40%	11.85%	8.75%	10.28%	8.80%	12.47%	9.18%	-4.53%	-1,482 bps
Deposit Growth (YoY)	1.82%	11.86%	5.13%	18.21%	30.16%	32.73%	40.01%	33.89%	+1,568 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	0.12%	0.06%	0.16%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	1.23%	1.65%	1.84%	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	11.17%	10.87%	11.56%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	6.90%	6.44%	6.04%	n/a
Liquidity & Funding
Loans / Deposits	95.11%	87.33%	90.58%	92.13%	79.51%	74.00%	70.63%	65.69%	-2,644 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	9.26%	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