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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 $79.5MQ1 2004Q4 2005

Executive Summary

  • Earnings: ROA of 1.05%, down 7 bps year over year; NIM at 3.86%.
  • 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.

Return on Assets (quarter, annualized)

1.05%-7 bps YoY

Net Interest Margin (quarter, annualized)

3.86%+35 bps YoY

Efficiency Ratio (quarter, annualized)

49.43%-1,368 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

3.51%Q4 ’034.91%Q4 ’046.22%Q4 ’05+60%+10%

Non-interest income vs. expense

3.17%Q4 ’032.27%Q4 ’041.96%Q4 ’05-30%-15%

Discrete quarter, annualized.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets-0.42%-0.12%0.61%1.12%0.82%0.61%0.90%1.05%-7 bps
Return on Equity-2.77%-0.81%3.93%7.60%5.98%5.08%8.30%9.51%+191 bps
Net Interest Margin2.86%3.23%3.30%3.51%3.79%3.84%3.53%3.86%+35 bps
Efficiency Ratio99.54%82.09%69.40%63.11%64.17%62.07%65.12%49.43%-1,368 bps
Non-Interest Burden2.85%2.64%2.26%2.19%2.40%2.36%2.28%1.86%-32 bps
Growth
Asset Growth (YoY)n/a249%15.00%43.38%42.83%49.01%54.11%32.00%-1,139 bps
Loan Growth (YoY)n/a4805%261%87.42%69.54%46.15%41.52%46.23%-4,119 bps
Deposit Growth (YoY)n/a444%13.45%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.24%0.00%0.00%0.00%0.00%-24 bps
Allowance / Loans1.01%1.01%1.04%1.08%1.10%1.26%1.26%1.33%+25 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital21.67%21.66%20.06%20.02%18.02%15.47%15.02%15.39%-463 bps
Equity / Assets14.90%15.05%15.79%13.84%13.45%10.73%10.85%11.18%-266 bps
Liquidity & Funding
Loans / Deposits70.44%75.38%88.44%73.78%82.36%70.40%76.93%80.58%+680 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a