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Rockdale National Bank

Conyers, GA · Cert 34506

FDIC

Q4 2004

$209.2MAssets
$159.7MLoans
$161.0MDeposits
$40.7MEquity
Loan mix
45%RE $9.3M55%C&I $11.4M1%Consumer $0.1MQ4 2003Q4 2004
Deposit mix
84%Interest-bearing $135.6M16%Noninterest $25.4MQ4 2003Q4 2004

NIM

5.95%Q4 ’025.51%Q4 ’030.47%Q4 ’040%-90%

Non-interest income vs. expense

3.13%Q4 ’023.01%Q4 ’030.17%Q4 ’04-10%-95%

Executive Summary

  • Earnings: ROA of 0.20%, down 93 bps year over year; NIM at 0.38%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 99.21% of deposits as of Q4 2004.

Financial Results

Return on Assets (YTD, annualized)

0.20%-93 bps YoY

Net Interest Margin (YTD, annualized)

0.38%-332 bps YoY

Efficiency Ratio (YTD, annualized)

34.85%-2,666 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets1.13%1.13%1.09%1.13%0.20%-93 bps
Return on Equity13.92%14.17%13.63%14.19%1.85%-1,206 bps
Net Interest Margin3.70%3.92%3.59%3.69%0.38%-332 bps
Efficiency Ratio61.51%59.06%59.21%57.69%34.85%-2,666 bps
Non-Interest Burden1.81%1.84%1.70%1.69%0.09%-172 bps
Growth
Asset Growth (YoY)30.30%33.50%27.35%33.74%33.84%+355 bps
Loan Growth (YoY)35.34%34.53%22.36%31.07%22.42%-1,292 bps
Deposit Growth (YoY)30.53%34.40%27.94%34.96%14.50%-1,602 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.01%0.01%0.05%0.00%-3 bps
Allowance / Loans1.30%1.26%1.37%1.30%1.34%+4 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 Capital10.16%10.14%10.59%10.13%10.25%+8 bps
Equity / Assets8.20%7.81%7.94%7.90%19.46%+1,126 bps
Liquidity & Funding
Loans / Deposits92.80%87.37%87.17%90.28%99.21%+641 bps
Liquid Assets / Assets0.09%0.07%1.50%0.07%0.26%+16 bps
CRE / Total Capitaln/an/an/an/an/an/an/a