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New Southern Bank

Macon, GA · Cert 57213

FDIC

Q1 2011

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 2011, the quarter ended March 31, 2011, 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

New Southern Bank

Macon, GA · Cert 57213

FDIC

Q1 2011

$741.9MAssets
$544.1MLoans
$707.6MDeposits
$9.6MEquity
Loan mix
90%RE $341.8M9%C&I $32.9M1%Consumer $4.9MQ1 2010Q1 2011
Deposit mix
94%Interest-bearing $664.1M6%Noninterest $43.6MQ1 2010Q1 2011

NIM

4.94%Q1 ’094.15%Q1 ’103.62%Q1 ’11-12%-4%

Non-interest income vs. expense

2.03%Q1 ’092.30%Q1 ’102.79%Q1 ’11+21%+50%

Executive Summary

  • Earnings: ROA of -1.33%, down 68 bps year over year; NIM at 1.81%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 3.88%.
  • Funding: loans stand at 76.88% of deposits as of Q1 2011.

Financial Results

Return on Assets (YTD, annualized)

-1.33%-68 bps YoY

Net Interest Margin (YTD, annualized)

1.81%-8 bps YoY

Efficiency Ratio (YTD, annualized)

170.32%+6,749 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2010Q2 2010Q3 2010Q4 2010Q1 2011YoY ΔTrend
Earnings
Return on Assets-0.65%-1.16%-1.31%-2.96%-1.33%-68 bps
Return on Equity-16.13%-29.59%-34.26%-86.34%-93.75%-7,762 bps
Net Interest Margin1.90%1.78%1.90%1.95%1.81%-8 bps
Efficiency Ratio102.83%120.48%129.16%207%170.32%+6,749 bps
Non-Interest Burden2.00%2.23%2.53%3.47%2.99%+99 bps
Growth
Asset Growth (YoY)-10.28%-17.27%-21.29%-18.54%-21.23%-1,095 bps
Loan Growth (YoY)-12.17%-16.24%-20.22%-19.84%-22.06%-990 bps
Deposit Growth (YoY)-3.67%-13.46%-17.86%-15.73%-17.92%-1,425 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.94%1.65%1.83%2.38%3.88%+295 bps
Allowance / Loans3.03%2.90%3.07%3.86%3.17%+14 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 Capital6.16%5.83%5.49%3.03%2.42%-375 bps
Equity / Assets3.98%3.70%3.49%1.55%1.29%-269 bps
Liquidity & Funding
Loans / Deposits80.97%79.59%77.25%79.38%76.88%-409 bps
Liquid Assets / Assets5.59%8.24%11.44%7.81%8.03%+244 bps
CRE / Total Capitaln/an/an/an/an/an/an/a