Buckhead Community Bank, N.A., The

Atlanta, GA · Cert 34663

FDIC

Q3 2009

$856.2MAssets

$648.3MLoans

$813.7MDeposits

$8.6MEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of -8.71%, down 824 bps year over year; NIM at 0.82%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 4.08%.
Funding: loans stand at 79.67% of deposits as of Q3 2009.

Return on Assets (YTD, annualized)

-8.71%-824 bps YoY

Net Interest Margin (YTD, annualized)

0.82%-149 bps YoY

Efficiency Ratio (YTD, annualized)

382%+28,260 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q3 2008	Q4 2008	Q1 2009	Q2 2009	Q3 2009	YoY Δ	Trend
Earnings
Return on Assets	-0.47%	-3.91%	-2.74%	-9.56%	-8.71%	-824 bps
Return on Equity	-4.27%	-37.74%	-40.39%	-179.18%	-201%	-19,719 bps
Net Interest Margin	2.31%	2.15%	0.90%	0.82%	0.82%	-149 bps
Efficiency Ratio	99.66%	111.71%	194.63%	272%	382%	+28,260 bps
Non-Interest Burden	2.34%	4.31%	1.83%	5.89%	5.73%	+339 bps
Growth
Asset Growth (YoY)	52.41%	3.02%	3.13%	0.15%	-7.45%	-5,987 bps
Loan Growth (YoY)	58.24%	6.05%	0.98%	-7.49%	-10.92%	-6,915 bps
Deposit Growth (YoY)	36.63%	1.45%	8.59%	11.25%	9.79%	-2,684 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.84%	1.83%	1.38%	5.51%	4.08%	+324 bps
Allowance / Loans	1.49%	1.69%	2.11%	2.14%	2.95%	+146 bps
Allowance Coverage of NPLs	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
Total Risk-Based Capital	10.38%	8.97%	8.27%	5.78%	2.23%	-815 bps
Equity / Assets	10.76%	7.40%	6.19%	2.40%	1.01%	-975 bps
Liquidity & Funding
Loans / Deposits	98.19%	93.66%	81.56%	77.94%	79.67%	-1,852 bps
Liquid Assets / Assets	0.04%	0.13%	0.03%	0.03%	0.14%	+10 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a