Georgia Banks and S&Ls rated B+ or Higher
City
Total Assets
% NPA
Tier 1 Leverage Ratio
Total Risk-based Capital Ratio
Net Income
Net Charge-offs/ Avg Loans
LLR/ TL
Nonperf. Loans & Securities/ Core Capital & LLR
TheStreet.com Rating
Southeastern Bk Darien $433 2.26 12.38 17.13 $4.1 0.34 1.76 11.79 A
Century B&T Milledgeville $167 1.23 11.56 18.85 $1.1 0.14 1.27 10.20 A
West Central Georgia Bk Thomaston $93 0.92 21.67 38.34 $1.4 0.14 2.05 3.81 A
Pelham Bkg Co Pelham $65 0.10 13.98 23.88 $1.2 0.02 0.92 0.76 A
First American B& TC Athens $348 1.47 11.41 18.11 $4.0 0.14 1.33 9.33 A-
Thomas County FS& LA Thomasville $317 1.37 15.95 23.79 $2.3 0.04 1.08 5.24 A-
First St Bk of Blakely Blakely $311 0.10 9.08 15.41 $2.9 0.11 1.54 0.86 A-
Bank of Madison Madison $227 2.10 11.62 16.36 $2.1 0.37 1.19 15.37 A-
Bank of Lafayette La Fayette $179 1.45 15.01 35.14 $1.8 0.45 1.14 9.52 A-
Bank of Dudley Dudley $166 1.00 11.26 16.62 $1.6 0.14 1.40 6.11 A-
United NB Cairo $151 0.55 11.18 14.50 $1.7 0.22 1.70 3.63 A-
Farmers St Bk Dublin $119 0.56 11.22 15.64 $1.6 0.21 1.61 2.63 A-
First NB of Waynesboro Waynesboro $103 0.53 13.93 22.97 $0.7 0.26 1.07 4.18 A-
Peoples Bk Willacoochee $58 0.57 12.91 25.11 $0.4 0.17 0.54 0.77 A-
Security St Bk McRae $39 0.10 13.49 22.02 $0.7 0.08 1.30 0.70 A-
Thomasville NB Thomasville $335 0.26 9.79 13.57 $3.6 0.29 1.68 1.24 B+
South Georgia Banking Co Omega $304 0.80 10.38 15.97 $2.6 0.36 1.83 3.04 B+
Farmers & Merchants Bk Washington $254 2.10 16.56 27.45 $2.3 0.66 1.25 9.51 B+
Merchants & Farmers Bank Comer $167 1.99 12.77 18.99 $0.1 0.93 1.96 14.33 B+
Global Commerce Bk Doraville $163 0.77 10.65 13.14 $1.2 0.03 0.95 6.88 B+
Invesco National Trust Co Atlanta $141 0.00 46.85 117.99 $5.1 N/A N/A 0.00 B+
Farmers & Merchants Bk Sylvania $125 0.23 11.92 17.35 $1.1 0.19 1.28 1.37 B+
First Port City Bk Bainbridge $124 0.02 12.48 19.66 $1.1 0.00 1.17 0.16 B+
Farmers St Bk Lincolnton $117 2.38 11.88 20.67 $2.1 0.18 1.46 18.09 B+
Citizens Community Bk Hahira $112 2.95 10.29 16.61 $1.2 0.65 1.17 14.12 B+
Waycross B&TC Waycross $110 0.00 10.74 15.09 $1.3 0.01 1.00 0.02 B+
Bank of Dawson Dawson $99 1.12 15.50 26.82 $1.1 0.34 1.87 5.87 B+
Bank of Alapaha Alapaha $96 0.45 11.93 12.77 $0.8 0.57 1.76 2.66 B+
Bank of Hancock Cty Sparta $82 1.15 20.22 38.07 $0.7 0.42 2.53 5.18 B+
Planters & Citizens Bk Camilla $81 0.75 11.53 18.78 $0.8 0.24 2.29 5.40 B+
First St Bk of Randolph Cty Cuthbert $54 1.05 11.08 14.21 $0.8 0.11 0.57 3.75 B+
Wilkinson County Bk Irwinton $47 0.00 14.26 30.11 $0.4 0.11 0.95 0.00 B+
Cedar Hill NB Lawrenceville $10 0.00 76.33 188.59 $0.7 0.00 0.00 0.00 B+

Note: Net income 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.