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Pointpathbank, N.A.

Columbus, GA · Cert 35389

FDIC

Q3 2004

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 2004, the quarter ended September 30, 2004, 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

Pointpathbank, N.A.

Columbus, GA · Cert 35389

FDIC

Q3 2004

$6.2MAssets
n/aLoans
$500KDeposits
$5.7MEquity
Deposit mix
100%Interest-bearing $500K0%Noninterest $0KQ3 2003Q3 2004

NIM

1.24%Q3 ’021.30%Q3 ’031.12%Q3 ’04+8%-19%

Non-interest income vs. expense

12.74%Q3 ’0214.63%Q3 ’0313.43%Q3 ’04-61%-122%

Executive Summary

  • Earnings: ROA of 1.12%, up 283 bps year over year; NIM at 1.00%.
  • Funding: loans stand at 0.00% of deposits as of Q3 2004.

Financial Results

Return on Assets (YTD, annualized)

1.12%+283 bps YoY

Net Interest Margin (YTD, annualized)

1.00%-23 bps YoY

Efficiency Ratio (YTD, annualized)

87.63%-3,669 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets-1.71%-0.84%1.23%1.10%1.12%+283 bps
Return on Equity-1.79%-0.88%1.34%1.19%1.22%+300 bps
Net Interest Margin1.24%1.11%1.09%0.90%1.00%-23 bps
Efficiency Ratio124.32%111.05%86.75%87.75%87.63%-3,669 bps
Non-Interest Burden4.10%2.53%-1.02%-0.96%-0.89%-499 bps
Growth
Asset Growth (YoY)2.31%7.82%9.60%1.14%1.27%-104 bps
Loan Growth (YoY)n/an/an/an/an/an/a
Deposit Growth (YoY)1624%n/an/a0.00%0.00%-162,414 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
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 Capital258%271%331%340%347%+8,964 bps
Equity / Assets91.87%91.91%91.93%91.95%91.97%+10 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a