Remaining Undercapitalized Georgia Banks and Thrifts - Dec. 31, 2008 ($Mil)
City
Total
Assets
Tier 1 Leverage Ratio
Total Risk-based Capital Ratio
%
NPA
Net Loss
Net Charge-offs/ Avg Loans
LLR/
TL
Nonperf. Loans & Securities/ Core Capital & LLR
Southern Community Bank
Fayetteville
$382
4.40
7.44
22.33
-$17.6
2.87
4.11
204.16
Community Bank of West Georgia
Villa Rica
$203
5.29
8.00
16.07
-$8.2
2.18
3.41
90.02
EBank
Atlanta
$153
3.87
6.89
15.13
-$7.1
2.55
1.68
128.40
First Piedmont Bank
Winder
$123
4.59
6.90
23.60
-$6.2
4.17
2.31
179.98
Note: Net loss and charge-off figures are for full-year 2008

Nonperforming Loans - Loans past due 90 days or more, less government-guaranteed balances. NPA - Nonperforming loans, securities and repossessed real estate.

Data Source: Regulator filings via Highline Financial.