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Chestatee State Bank

Dawsonville, GA · Cert 34578

FDIC

Q3 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: Q3 2010, the quarter ended September 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

Chestatee State Bank

Dawsonville, GA · Cert 34578

FDIC

Q3 2010

$244.4MAssets
$170.6MLoans
$240.5MDeposits
$2.1MEquity
Loan mix
91%RE $140.8M8%C&I $11.9M1%Consumer $1.5MQ3 2009Q3 2010
Deposit mix
94%Interest-bearing $226.2M6%Noninterest $14.3MQ3 2009Q3 2010

NIM

5.38%Q3 ’083.82%Q3 ’094.03%Q3 ’10-53%+103%

Non-interest income vs. expense

2.53%Q3 ’082.68%Q3 ’093.81%Q3 ’10+9%+88%

Executive Summary

  • Earnings: ROA of -5.69%, down 383 bps year over year; NIM at 1.92%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 7.06%.
  • Funding: loans stand at 70.94% of deposits as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

-5.69%-383 bps YoY

Net Interest Margin (YTD, annualized)

1.92%+97 bps YoY

Efficiency Ratio (YTD, annualized)

344%+11,281 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets-1.86%-2.35%-2.53%-3.11%-5.69%-383 bps
Return on Equity-28.91%-38.26%-55.23%-72.78%-163.80%-13,490 bps
Net Interest Margin0.94%1.06%1.80%1.86%1.92%+97 bps
Efficiency Ratio231%484%184.75%176.43%344%+11,281 bps
Non-Interest Burden2.46%3.48%3.55%3.51%4.62%+216 bps
Growth
Asset Growth (YoY)1.68%0.18%-3.67%-11.21%-16.01%-1,769 bps
Loan Growth (YoY)-10.14%-11.37%-13.38%-13.15%-16.42%-628 bps
Deposit Growth (YoY)5.39%4.31%0.17%-7.33%-10.49%-1,588 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.07%3.81%5.18%3.40%7.06%+499 bps
Allowance / Loans4.46%3.11%2.25%2.69%1.91%-255 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 Capital7.98%7.15%6.43%5.50%2.07%-591 bps
Equity / Assets5.48%4.86%4.31%3.63%0.87%-462 bps
Liquidity & Funding
Loans / Deposits75.98%75.73%72.65%73.37%70.94%-503 bps
Liquid Assets / Assets12.59%1.01%0.62%6.46%7.14%-545 bps
CRE / Total Capitaln/an/an/an/an/an/an/a