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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

4.74%Q2 ’094.81%Q2 ’104.09%Q2 ’11+29%-17%

Non-interest income vs. expense

2.85%Q2 ’095.00%Q2 ’106.25%Q2 ’11+95%+25%

Financial Results

Return on Assets (quarter, annualized)

-11.46%-145 bps YoY

Net Interest Margin (quarter, annualized)

2.22%-44 bps YoY

Efficiency Ratio (quarter, annualized)

231%+6,804 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2010Q3 2010Q4 2010Q1 2011Q2 2011YoY ΔTrend
Return on Assets-10.01%-6.43%-14.37%-2.44%-11.46%-145 bps
Net Interest Margin2.67%2.46%2.23%2.13%2.22%-44 bps
Non-Interest Burden4.61%2.57%5.36%3.33%5.77%+116 bps
Loan Growth (YoY)-15.30%-23.67%-23.74%-25.24%-31.42%-1,612 bps
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans3.14%4.72%3.76%4.67%5.86%+272 bps
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Equity / Assets7.72%6.27%2.85%2.01%-0.55%-827 bps
Liquid Assets / Assets0.10%0.20%0.12%4.67%3.21%+311 bps