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One Georgia Bank

Atlanta, GA · Cert 58238

FDIC

Q2 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: Q2 2011, the quarter ended June 30, 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

One Georgia Bank

Atlanta, GA · Cert 58238

FDIC

Q2 2011

$177.7MAssets
$118.1MLoans
$158.1MDeposits
$-977KEquity
Loan mix
71%RE $60.9M28%C&I $24.0M2%Consumer $1.5MQ2 2010Q2 2011
Deposit mix
95%Interest-bearing $150.5M5%Noninterest $7.6MQ2 2010Q2 2011

NIM

4.86%Q2 ’094.76%Q2 ’104.13%Q2 ’11+22%-12%

Non-interest income vs. expense

2.79%Q2 ’094.42%Q2 ’105.65%Q2 ’11+75%+8%

Executive Summary

  • Earnings: ROA of -6.87%, down 49 bps year over year; NIM at 2.21%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 5.06%.
  • Funding: loans stand at 74.70% of deposits as of Q2 2011.

Financial Results

Return on Assets (YTD, annualized)

-6.87%-49 bps YoY

Net Interest Margin (YTD, annualized)

2.21%-31 bps YoY

Efficiency Ratio (YTD, annualized)

173.52%+797 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2010Q3 2010Q4 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets-6.37%-6.37%-8.24%-2.44%-6.87%-49 bps
Return on Equity-70.35%-75.82%-111.12%-100.27%-463%-39,261 bps
Net Interest Margin2.52%2.59%2.60%2.13%2.21%-31 bps
Efficiency Ratio165.55%140.32%156.02%132.56%173.52%+797 bps
Non-Interest Burden4.27%3.86%4.38%3.33%4.60%+33 bps
Growth
Asset Growth (YoY)-13.93%-16.44%-17.83%-19.93%-17.16%-323 bps
Loan Growth (YoY)-15.30%-23.67%-23.74%-25.24%-31.42%-1,612 bps
Deposit Growth (YoY)-4.65%-9.60%-9.90%-14.33%-10.82%-617 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans4.39%4.45%9.08%0.13%5.06%+67 bps
Allowance / Loans3.14%4.72%3.76%4.67%5.86%+272 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 Capital9.74%8.44%4.47%3.64%-0.90%-1,064 bps
Equity / Assets7.72%6.27%2.85%2.01%-0.55%-827 bps
Liquidity & Funding
Loans / Deposits97.14%89.61%85.74%83.12%74.70%-2,244 bps
Liquid Assets / Assets0.10%0.20%0.12%4.67%3.21%+311 bps
CRE / Total Capitaln/an/an/an/an/an/an/a