First Commerce Community Bank

Douglasville, GA · Cert 57448

FDIC

Q2 2010

$248.2MAssets

$145.8MLoans

$242.8MDeposits

$4.0MEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of -13.72%, down 1,229 bps year over year; NIM at 1.03%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 12.38%.
Funding: loans stand at 60.05% of deposits as of Q2 2010.

Return on Assets (quarter, annualized)

-13.72%-1,229 bps YoY

Net Interest Margin (quarter, annualized)

1.03%+63 bps YoY

Efficiency Ratio (quarter, annualized)

411%-35,609 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q2 2009	Q3 2009	Q4 2009	Q1 2010	Q2 2010	YoY Δ	Trend
Earnings
Return on Assets	-1.43%	-3.05%	-8.56%	-3.82%	-13.72%	-1,229 bps
Return on Equity	-17.55%	-38.53%	-132.01%	-76.38%	-433%	-41,542 bps
Net Interest Margin	0.40%	0.51%	0.36%	0.66%	1.03%	+63 bps
Efficiency Ratio	767%	561%	984%	474%	411%	-35,609 bps
Non-Interest Burden	2.57%	2.44%	3.65%	2.51%	4.67%	+211 bps
Growth
Asset Growth (YoY)	-2.04%	-5.28%	-9.56%	-9.31%	-10.11%	-808 bps
Loan Growth (YoY)	-13.46%	-15.76%	-18.79%	-23.50%	-28.31%	-1,485 bps
Deposit Growth (YoY)	-2.59%	-4.75%	-6.86%	-5.98%	-3.61%	-103 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	2.47%	3.04%	6.71%	2.25%	12.38%	+992 bps
Allowance / Loans	2.15%	2.69%	2.94%	3.46%	5.14%	+299 bps
Allowance Coverage of NPLs	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
Total Risk-Based Capital	10.23%	8.99%	7.98%	7.04%	3.08%	-715 bps
Equity / Assets	8.22%	7.61%	5.35%	4.66%	1.60%	-662 bps
Liquidity & Funding
Loans / Deposits	80.73%	77.73%	70.42%	65.21%	60.05%	-2,068 bps
Liquid Assets / Assets	0.56%	3.34%	5.40%	5.40%	6.55%	+599 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a