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Lanier Community Bank

Buford, GA · Cert 57486

FDIC

Q4 2005

$113.3MAssets
$79.5MLoans
$98.7MDeposits
$12.7MEquity
Deposit mix
19%Interest-bearing $19.2M81%Noninterest $79.5MQ4 2004Q4 2005

NIM

1.29%Q4 ’033.85%Q4 ’045.10%Q4 ’05+282%+19%

Non-interest income vs. expense

1.64%Q4 ’032.16%Q4 ’042.00%Q4 ’05+29%-7%

Executive Summary

  • Earnings: ROA of 0.86%, up 50 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 80.58% of deposits as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

0.86%+50 bps YoY

Net Interest Margin (YTD, annualized)

3.29%+52 bps YoY

Efficiency Ratio (YTD, annualized)

59.56%-1,634 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets0.35%0.82%0.69%0.78%0.86%+50 bps
Return on Equity2.36%5.98%5.52%6.46%7.24%+488 bps
Net Interest Margin2.77%3.79%3.56%3.21%3.29%+52 bps
Efficiency Ratio75.91%64.17%63.04%63.80%59.56%-1,634 bps
Non-Interest Burden2.09%2.40%2.22%2.03%1.93%-16 bps
Growth
Asset Growth (YoY)43.38%42.83%49.01%54.11%32.00%-1,139 bps
Loan Growth (YoY)87.42%69.54%46.15%41.52%46.23%-4,119 bps
Deposit Growth (YoY)45.80%45.00%56.50%62.69%33.90%-1,190 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.06%0.00%0.00%0.00%0.00%-6 bps
Allowance / Loans1.08%1.10%1.26%1.26%1.33%+25 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 Capital20.02%18.02%15.47%15.02%15.39%-463 bps
Equity / Assets13.84%13.45%10.73%10.85%11.18%-266 bps
Liquidity & Funding
Loans / Deposits73.78%82.36%70.40%76.93%80.58%+680 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