PackageTrendsPeer
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Community Bank of West Georgia

Villa Rica, GA · Cert 57436

FDIC

Q1 2009

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 2009, the quarter ended March 31, 2009, 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

Community Bank of West Georgia

Villa Rica, GA · Cert 57436

FDIC

Q1 2009

$201.2MAssets
$129.6MLoans
$189.4MDeposits
$7.3MEquity
Loan mix
89%RE $94.6M11%C&I $11.7M0%Consumer $0.0MQ1 2008Q1 2009
Deposit mix
98%Interest-bearing $186.0M2%Noninterest $3.4MQ1 2008Q1 2009

NIM

8.22%Q1 ’076.42%Q1 ’084.05%Q1 ’09-38%-78%

Non-interest income vs. expense

2.71%Q1 ’072.53%Q1 ’083.32%Q1 ’09-1%+35%

Executive Summary

  • Earnings: ROA of -6.70%, down 306 bps year over year; NIM at 0.52%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.58%.
  • Funding: loans stand at 68.44% of deposits as of Q1 2009.

Financial Results

Return on Assets (YTD, annualized)

-6.70%-306 bps YoY

Net Interest Margin (YTD, annualized)

0.52%-182 bps YoY

Efficiency Ratio (YTD, annualized)

744%+63,651 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2008Q2 2008Q3 2008Q4 2008Q1 2009YoY ΔTrend
Earnings
Return on Assets-3.64%-2.17%-4.17%-4.02%-6.70%-306 bps
Return on Equity-47.57%-27.70%-56.07%-57.28%-148.85%-10,128 bps
Net Interest Margin2.34%2.22%2.11%1.78%0.52%-182 bps
Efficiency Ratio107.84%112.12%120.63%141.42%744%+63,651 bps
Non-Interest Burden2.53%2.50%2.57%2.57%3.40%+87 bps
Growth
Asset Growth (YoY)16.85%8.20%3.81%-3.78%-3.08%-1,993 bps
Loan Growth (YoY)22.10%6.95%1.05%-20.99%-27.05%-4,915 bps
Deposit Growth (YoY)12.77%10.77%9.74%1.62%8.45%-432 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.85%1.13%1.05%2.57%2.58%+73 bps
Allowance / Loans1.55%1.70%3.89%3.41%4.69%+314 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 Capital9.05%10.57%8.61%8.00%5.89%-316 bps
Equity / Assets7.27%8.15%6.24%5.36%3.63%-364 bps
Liquidity & Funding
Loans / Deposits101.75%91.98%87.14%73.40%68.44%-3,331 bps
Liquid Assets / Assets0.01%0.03%0.07%0.06%9.41%+940 bps
CRE / Total Capitaln/an/an/an/an/an/an/a