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Unity National Bank

Cartersville, GA · Cert 34678

FDIC

Q4 2009

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 2009, the quarter ended December 31, 2009, 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

Unity National Bank

Cartersville, GA · Cert 34678

FDIC

Q4 2009

$300.6MAssets
$201.3MLoans
$264.3MDeposits
$9.1MEquity
Loan mix
92%RE $137.7M8%C&I $11.7M0%Consumer $0.0MQ4 2008Q4 2009
Deposit mix
95%Interest-bearing $250.5M5%Noninterest $13.8MQ4 2008Q4 2009

NIM

7.48%Q4 ’076.04%Q4 ’084.79%Q4 ’09-24%-23%

Non-interest income vs. expense

2.76%Q4 ’072.91%Q4 ’083.51%Q4 ’09+21%+33%

Executive Summary

  • Earnings: ROA of -5.21%, down 458 bps year over year; NIM at 2.16%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 5.09%.
  • Funding: loans stand at 76.16% of deposits as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

-5.21%-458 bps YoY

Net Interest Margin (YTD, annualized)

2.16%-65 bps YoY

Efficiency Ratio (YTD, annualized)

150.20%+5,952 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets-0.64%-1.58%-7.04%-5.84%-5.21%-458 bps
Return on Equity-8.31%-20.48%-104.93%-96.91%-96.17%-8,785 bps
Net Interest Margin2.81%2.44%2.39%2.29%2.16%-65 bps
Efficiency Ratio90.68%119.46%133.71%139.78%150.20%+5,952 bps
Non-Interest Burden2.51%2.91%3.20%3.20%3.34%+83 bps
Growth
Asset Growth (YoY)3.72%-4.55%-7.96%-5.79%-4.04%-776 bps
Loan Growth (YoY)2.77%-8.52%-16.56%-17.08%-19.38%-2,215 bps
Deposit Growth (YoY)-1.59%-3.97%-3.09%2.57%5.54%+713 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.93%4.76%5.62%4.86%5.09%+416 bps
Allowance / Loans2.16%1.77%3.62%3.75%4.19%+203 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 Capital10.02%10.00%7.10%6.16%5.26%-476 bps
Equity / Assets7.59%7.82%4.68%3.91%3.01%-458 bps
Liquidity & Funding
Loans / Deposits99.69%95.51%86.89%82.34%76.16%-2,353 bps
Liquid Assets / Assets0.29%0.00%5.34%9.08%13.84%+1,355 bps
CRE / Total Capitaln/an/an/an/an/an/an/a