Pointpathbank, N.A.

Columbus, GA · Cert 35389

FDIC

Q3 2004

$6.2MAssets

n/aLoans

$500KDeposits

$5.7MEquity

Deposit mix

Executive Summary

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.

Metric	Q4 2002	Q1 2003	Q2 2003	Q3 2003	Q4 2003	Q1 2004	Q2 2004	Q3 2004	YoY Δ	Trend
Earnings
Return on Assets	-8.43%	-5.27%	-2.98%	-1.71%	-0.84%	1.23%	1.10%	1.12%	+283 bps
Return on Equity	-9.83%	-5.27%	-3.07%	-1.79%	-0.88%	1.34%	1.19%	1.22%	+300 bps
Net Interest Margin	1.48%	1.68%	1.16%	1.24%	1.11%	1.09%	0.90%	1.00%	-23 bps
Efficiency Ratio	424%	205%	147.33%	124.32%	111.05%	86.75%	87.75%	87.63%	-3,669 bps
Non-Interest Burden	19.40%	11.07%	6.15%	4.10%	2.53%	-1.02%	-0.96%	-0.89%	-499 bps
Growth
Asset Growth (YoY)	-30.64%	-25.21%	-27.21%	2.31%	7.82%	9.60%	1.14%	1.27%	-104 bps
Loan Growth (YoY)	-100.00%	-100.00%	-100.00%	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	-100.00%	-100.00%	-76.67%	1624%	n/a	n/a	0.00%	0.00%	-162,414 bps
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	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	n/a	n/a	n/a
Total Risk-Based Capital	215%	247%	253%	258%	271%	331%	340%	347%	+8,964 bps
Equity / Assets	100.00%	100.00%	91.86%	91.87%	91.91%	91.93%	91.95%	91.97%	+10 bps
Liquidity & Funding
Loans / Deposits	n/a	n/a	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a