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Letter portraitLegal landscapeQuarterYTD

Patriot Bank of Georgia

Suwanee, GA · Cert 58273

FDIC

Q2 2011

$150.8MAssets
$111.2MLoans
$140.6MDeposits
$2.7MEquity
Loan mix
85%RE $76.6M14%C&I $13.0M0%Consumer $0.4MQ2 2010Q2 2011
Deposit mix
97%Interest-bearing $136.8M3%Noninterest $3.9MQ2 2010Q2 2011

NIM

4.83%Q2 ’094.25%Q2 ’103.01%Q2 ’11+18%-37%

Non-interest income vs. expense

3.34%Q2 ’092.10%Q2 ’103.39%Q2 ’11-28%+19%

Executive Summary

  • Earnings: ROA of -1.70%, down 15 bps year over year; NIM at 1.18%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.00%.
  • Funding: loans stand at 79.08% of deposits as of Q2 2011.

Financial Results

Return on Assets (YTD, annualized)

-1.70%-15 bps YoY

Net Interest Margin (YTD, annualized)

1.18%-69 bps YoY

Efficiency Ratio (YTD, annualized)

202%+6,526 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-1.55%-2.79%-3.50%-0.81%-1.70%-15 bps
Return on Equity-28.69%-55.72%-77.84%-35.97%-81.05%-5,236 bps
Net Interest Margin1.87%1.64%1.54%1.27%1.18%-69 bps
Efficiency Ratio136.72%158.71%185.75%134.09%202%+6,526 bps
Non-Interest Burden2.43%2.50%2.70%2.08%2.89%+46 bps
Growth
Asset Growth (YoY)3.71%-5.31%-8.74%-7.53%-11.91%-1,562 bps
Loan Growth (YoY)2.86%-6.91%-14.05%-16.19%-16.68%-1,954 bps
Deposit Growth (YoY)4.69%-2.93%-5.80%-4.10%-9.28%-1,397 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.83%3.37%3.53%0.36%1.00%-83 bps
Allowance / Loans2.02%2.04%2.55%2.58%2.20%+17 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 Capital7.30%5.85%4.23%4.02%3.38%-392 bps
Equity / Assets5.03%3.81%2.33%2.15%1.78%-325 bps
Liquidity & Funding
Loans / Deposits86.10%80.53%78.56%74.70%79.08%-702 bps
Liquid Assets / Assets4.56%4.66%4.68%7.53%7.21%+265 bps
CRE / Total Capitaln/an/an/an/an/an/an/a