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Letter portraitLegal landscapeQuarterYTD

Buckhead Community Bank, N.A., The

Atlanta, GA · Cert 34663

FDIC

Q3 2009

$856.2MAssets
$648.3MLoans
$813.7MDeposits
$8.6MEquity
Loan mix
84%RE $442.5M16%C&I $81.9M0%Consumer $1.6MQ3 2008Q3 2009
Deposit mix
96%Interest-bearing $779.5M4%Noninterest $34.2MQ3 2008Q3 2009

NIM

8.14%Q3 ’075.54%Q3 ’083.64%Q3 ’09-40%-69%

Non-interest income vs. expense

2.63%Q3 ’072.39%Q3 ’084.46%Q3 ’09+5%+87%

Executive Summary

  • Earnings: ROA of -6.79%, down 617 bps year over year; NIM at 0.72%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.97%.
  • Funding: loans stand at 79.67% of deposits as of Q3 2009.

Financial Results

Return on Assets (quarter, annualized)

-6.79%-617 bps YoY

Net Interest Margin (quarter, annualized)

0.72%-157 bps YoY

Efficiency Ratio (quarter, annualized)

708%+60,230 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets-0.63%-14.21%-2.74%-16.15%-6.79%-617 bps
Return on Equity-5.78%-156.21%-40.39%-371%-392%-38,663 bps
Net Interest Margin2.28%1.63%0.90%0.75%0.72%-157 bps
Efficiency Ratio105.31%163.00%194.63%369%708%+60,230 bps
Non-Interest Burden2.43%10.22%1.83%9.99%4.55%+212 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 / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.93%4.77%1.38%9.56%0.97%+4 bps
Allowance / Loans1.49%1.69%2.11%2.14%2.95%+146 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 Capital10.38%8.97%8.27%5.78%2.23%-815 bps
Equity / Assets10.76%7.40%6.19%2.40%1.01%-975 bps
Liquidity & Funding
Loans / Deposits98.19%93.66%81.56%77.94%79.67%-1,852 bps
Liquid Assets / Assets0.04%0.13%0.03%0.03%0.14%+10 bps
CRE / Total Capitaln/an/an/an/an/an/an/a