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Bank of America Georgia, National Association

Atlanta, GA · Cert 57117

FDIC

Q1 2008

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: Q1 2008, the quarter ended March 31, 2008, 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

Bank of America Georgia, National Association

Atlanta, GA · Cert 57117

FDIC

Q1 2008

$92.8MAssets
n/aLoans
$500KDeposits
$92.1MEquity
Deposit mix
100%Interest-bearing $500K0%Noninterest $0KQ1 2007Q1 2008

NIM

5.66%Q1 ’065.23%Q1 ’073.37%Q1 ’08+19%+74%

Non-interest income vs. expense

0.30%Q1 ’060.04%Q1 ’070.10%Q1 ’08-107%+294%

Executive Summary

  • Earnings: ROA of 1.91%, up 66 bps year over year; NIM at 3.34%.
  • Funding: loans stand at 0.00% of deposits as of Q1 2008.

Financial Results

Return on Assets (YTD, annualized)

1.91%+66 bps YoY

Net Interest Margin (YTD, annualized)

3.34%+142 bps YoY

Efficiency Ratio (YTD, annualized)

2.86%+76 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets1.24%1.61%1.45%1.35%1.91%+66 bps
Return on Equity3.46%4.11%3.43%3.00%1.92%-154 bps
Net Interest Margin1.92%4.24%10.08%8.39%3.34%+142 bps
Efficiency Ratio2.10%1.31%3.47%3.31%2.86%+76 bps
Non-Interest Burden-0.02%-0.11%-0.19%-0.19%0.04%+6 bps
Growth
Asset Growth (YoY)-82.79%-97.35%-92.88%-88.46%-88.42%-563 bps
Loan Growth (YoY)-100.00%n/an/an/an/an/a
Deposit Growth (YoY)0.00%0.00%0.00%0.00%0.00%0 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/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 Capital170.91%524%491%578%569%+39,818 bps
Equity / Assets36.06%95.44%95.35%99.39%99.17%+6,311 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