PackageTrendsPeer
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First Community Bank of Georgia

Roberta, GA · Cert 34580

FDIC

Q4 2006

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: Q4 2006, the quarter ended December 31, 2006, 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

First Community Bank of Georgia

Roberta, GA · Cert 34580

FDIC

Q4 2006

$69.7MAssets
$49.7MLoans
$58.1MDeposits
$8.2MEquity
Loan mix
70%RE $13.2M29%C&I $5.5M1%Consumer $0.1MQ4 2005Q4 2006
Deposit mix
80%Interest-bearing $46.5M20%Noninterest $11.6MQ4 2005Q4 2006

NIM

5.39%Q4 ’046.11%Q4 ’057.31%Q4 ’06+6%+11%

Non-interest income vs. expense

3.68%Q4 ’043.40%Q4 ’053.31%Q4 ’06-6%0%

Executive Summary

  • Earnings: ROA of 1.41%, up 14 bps year over year; NIM at 4.80%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 85.54% of deposits as of Q4 2006.

Financial Results

Return on Assets (YTD, annualized)

1.41%+14 bps YoY

Net Interest Margin (YTD, annualized)

4.80%+49 bps YoY

Efficiency Ratio (YTD, annualized)

58.09%-611 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets1.27%1.30%1.45%1.54%1.41%+14 bps
Return on Equity11.86%12.08%13.66%14.39%12.92%+106 bps
Net Interest Margin4.32%4.62%4.63%4.64%4.80%+49 bps
Efficiency Ratio64.20%63.55%59.96%58.25%58.09%-611 bps
Non-Interest Burden2.42%2.62%2.44%2.34%2.41%0 bps
Growth
Asset Growth (YoY)8.72%9.01%11.40%8.22%2.17%-655 bps
Loan Growth (YoY)11.08%9.52%13.96%5.38%-3.02%-1,410 bps
Deposit Growth (YoY)6.76%5.80%9.11%4.99%2.36%-440 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.14%0.25%0.01%-0.02%0.03%-11 bps
Allowance / Loans1.36%1.35%1.31%1.46%1.78%+42 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 Capital15.23%15.30%14.81%16.21%16.98%+176 bps
Equity / Assets10.73%10.77%10.34%10.99%11.75%+102 bps
Liquidity & Funding
Loans / Deposits90.29%89.77%92.97%87.84%85.54%-474 bps
Liquid Assets / Assets0.73%0.81%0.87%0.93%0.93%+21 bps
CRE / Total Capitaln/an/an/an/an/an/an/a