Bank of America Georgia, National Association

Atlanta, GA · Cert 57117

FDIC

Q1 2008

$92.8MAssets

n/aLoans

$500KDeposits

$92.1MEquity

Deposit mix

Executive Summary

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.

Metric	Q2 2006	Q3 2006	Q4 2006	Q1 2007	Q2 2007	Q3 2007	Q4 2007	Q1 2008	YoY Δ	Trend
Earnings
Return on Assets	0.88%	0.83%	0.84%	1.24%	1.61%	1.45%	1.35%	1.91%	+66 bps
Return on Equity	5.03%	4.64%	4.45%	3.46%	4.11%	3.43%	3.00%	1.92%	-154 bps
Net Interest Margin	1.58%	1.77%	3.73%	1.92%	4.24%	10.08%	8.39%	3.34%	+142 bps
Efficiency Ratio	12.66%	11.60%	10.26%	2.10%	1.31%	3.47%	3.31%	2.86%	+76 bps
Non-Interest Burden	0.19%	0.20%	0.37%	-0.02%	-0.11%	-0.19%	-0.19%	0.04%	+6 bps
Growth
Asset Growth (YoY)	-41.67%	-78.39%	-83.67%	-82.79%	-97.35%	-92.88%	-88.46%	-88.42%	-563 bps
Loan Growth (YoY)	-100.00%	-100.00%	-100.00%	-100.00%	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 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	0.05%	20233%	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	105.67%	102.08%	175.53%	170.91%	524%	491%	578%	569%	+39,818 bps
Equity / Assets	21.65%	21.04%	35.86%	36.06%	95.44%	95.35%	99.39%	99.17%	+6,311 bps
Liquidity & Funding
Loans / Deposits	0.00%	0.00%	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