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Failed Bank History Report
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This institution did not file a CALL/TFR in the most recent FFIEC reporting cycle.
The most recent data available in our database is shown.
The Community Bank, member of holding company TRIANGLE FINANCIAL GROUP, INC.
as of September-2008
4581 ATLANTA HIGHWAY LOGANVILLE, GA, 30052
Data Source: IRA Bank Monitor.  Data in thousands unless otherwise noted.  Copyright 2003-2009 Lord, Whalen LLC All Rights Reserved
Historical Performance Table



IRA Bank Stress Benchmarks
Grade
Stress Index Number
ROE, %
Efficiency Ratio
Goodwill Writedowns

Capital Ratios
T1/RWA
RBC/RWA
T1/ASSET

Basel II Benchmarks
Bond Equivalent Defaults, Method 1
B.E.D., Method 2
Default Rate, bp
LGD: Loss Given Default, %
M: Wt. Avg. Maturity, yr
EAD: Exposure At Default, %

Economic Capital Analysis
EC
RAROC, %
Tier 1 RBC
T1RBC to EC Leverage
Bank Tangible Common Equity
Percent of Tangible Assets (TCE Ratio)
TCE to EC Leverage

Regulatory Watch Points
Total Assets
Total Lending

Total Securities

Net Interest Income, YTD
Earning Assets, Total
Net Interest Margin, Current Qtr - Annualized
NIMY, from FDIC 5YR METHOD

Total Deposits
Brokered Deposits
Reciprocal Brokered Deposits
Volatile Liabilities, per FDIC
FHLB Advances

FHLB Advances-to-Assets, percent
Brokered to Total Deposits, percent
FHLB+BRO+VOLIAB to Assets, percent

Gross Defaults, Actual
Provision for Loan Losses, Income Statement
Actual-to-Provision Ratio
Balance Sheet Allowances for Loan Losses

Gross Defaults, Total
30-89 Day Assets, Total
  Guaranteed Portion of 30-89
Over 90 Assets, Total
  Guaranteed Portion of Over 90
Non-Accrual Assets, Total
  Guaranteed Portion of NA
Real Estate Owned (REO)
Total Troubled Assets
Troubled Assets % of Total Assets
   % factored for less 80% GTY Offsets
Non-Conforming Assets, Reported

Off Balance Sheet Derivatives, Notional
Loss Realization Margin to RBC, bp

September
2008


F
21.8
-0.15
308.1%
0

Fail
4.1%
5.4%
3.6%


BB
BB
88.3
99.85
0.88
22.3


$7,772
-78.41%
$22,678
2.9:1
$-6,895
-1.10%
-0.89:1


$634,901
$505,755

$46,180

$2,790
$538,727
0.69%
0.67%

$603,733
$295,013
$0
$359,660
-

-
48.86%
103.11%

$3,349
$38,638
0.09:1
$46,052

$3,349
$42,602
$0
$28,780
$0
$156,516
$0
$54,870
$286,117
45.06%
45.06%
$185,296

-
-

June
2008


F
20.8
-0.04
106.1%
0

Warn
7.2%
8.5%
6.5%


BBB
A
21.8
100.00
0.89
27.4


$4,991
8.21%
$40,899
8.2:1
$9,419
1.52%
1.89:1


$628,056
$518,609

$50,524

$4,297
$558,797
1.54%
1.54%

$577,219
$308,594
$0
$390,793
-

-
53.46%
111.36%

$565
$13,860
0.04:1
$24,053

$565
$54,747
$0
$5,610
$0
$109,220
$0
$38,574
$208,716
33.23%
33.23%
$114,830

-
-

March
2008


C
2.9
1.04
85.3%
0

Warn
8.5%
9.7%
7.8%


BBB
A
24.9
100.00
0.77
30.5


$4,852
15.42%
$48,384
10.0:1
$14,428
2.34%
2.97:1


$623,764
$510,014

$51,775

$2,546
$564,295
1.80%
1.83%

$563,098
$289,051
$0
$347,124
$1,500

0.24%
51.33%
102.23%

$318
$360
0.88:1
$10,800

$318
$48,548
$0
$29,619
$0
$61,829
$0
$34,076
$174,390
27.96%
27.96%
$91,448

-
-

December
2007


A+
0.7
11.99
47.6%
0

Adequate
9.5%
10.8%
8.6%


A
AA
10.9
100.00
0.39
33.7


$4,621
234.45%
$51,707
11.2:1
$27,343
4.59%
5.92:1


$602,126
$491,161

$51,591

$19,190
$553,729
3.47%
3.85%

$539,208
$265,545
$0
$330,510
$1,500

0.25%
49.25%
99.24%

$537
$1,886
0.28:1
$7,508

$537
$41,518
$0
$26,966
$0
$49,814
$0
$24,460
$143,295
23.80%
23.80%
$76,780

-
-

September
2007


A+
0.6
17.24
38.9%
0

Adequate
10.0%
11.3%
9.5%


AAA
AAA
0.6
100.00
0.42
38.5


$4,492
262.79%
$53,717
12.0:1
$38,634
6.91%
8.60:1


$566,313
$482,290

$50,917

$17,659
$527,548
4.46%
4.86%

$491,720
$223,946
$0
$287,266
$11,500

2.03%
45.54%
92.30%

$21
$1,080
0.02:1
$7,218

$21
$6,138
$0
$19,820
$0
$19,321
$0
$15,126
$60,426
10.67%
10.67%
$39,141

-
-

June
2007


A+
0.6
17.95
39.3%
0

Adequate
10.7%
11.9%
10.0%


AAA
AAA
0.1
100.00
0.45
36.0


$4,056
191.79%
$51,974
12.8:1
$38,435
7.48%
9.48:1


$520,615
$438,473

$46,713

$11,781
$485,075
4.86%
5.01%

$458,534
$202,047
$0
$255,784
$1,500

0.29%
44.06%
88.23%

$3
$720
0.00:1
$6,876

$3
$11,562
$0
$15,552
$0
$6,292
$0
$12,866
$46,275
8.89%
8.89%
$21,844

-
-

March
2007


A+
0.6
17.91
40.0%
0

Adequate
10.7%
11.9%
10.0%


AAA
AAA
0.0
0.00
0.46
35.4


$3,965
92.19%
$49,789
12.6:1
$44,569
9.06%
11.24:1


$498,961
$431,737

$43,728

$5,653
$473,241
4.78%
4.89%

$438,432
$202,677
$0
$248,848
$1,500

0.30%
46.23%
90.79%

-
$360
-
$6,519

$0
$7,069
$0
$10,203
$0
$5,717
$0
$4,995
$27,984
5.61%
5.61%
$15,920

-
-

December
2006


A+
0.6
21.08
34.5%
0

Adequate
10.8%
12.1%
10.0%


AAA
AAA
0.6
100.00
0.48
34.5


$5,023
322.58%
$47,770
9.5:1
$46,166
9.84%
9.19:1


$476,117
$410,420

$42,203

$23,116
$451,909
5.12%
5.59%

$418,438
$193,537
$0
$237,013
$1,500

0.32%
46.25%
90.74%

$23
$776
0.03:1
$6,159

$23
$7,017
$0
$4,622
$0
$6,741
$0
$1,394
$19,797
4.16%
4.16%
$11,363

-
-

September
2006


A+
0.6
21.79
32.7%
0

Adequate
11.1%
12.4%
10.2%


AAA
AAA
0.7
100.00
0.49
34.8


$4,285
288.03%
$47,726
11.1:1
$46,071
10.04%
10.75:1


$465,726
$409,495

$38,072

$17,246
$443,017
5.19%
5.69%

$400,270
$185,886
$0
$236,683
$9,500

2.04%
46.44%
92.77%

$23
$551
0.04:1
$5,934

$23
$1,955
$0
$4,518
$0
$5,533
$0
$1,393
$13,422
2.88%
2.88%
$10,051

-
-

June
2006


A+
0.6
22.96
32.2%
0

Adequate
11.2%
12.5%
10.3%


AAA
AAA
0.6
100.00
0.49
39.3


$3,374
239.23%
$44,545
13.2:1
$41,462
9.75%
12.29:1


$431,369
$377,128

$34,936

$11,228
$409,403
5.49%
5.74%

$368,024
$163,797
$0
$211,677
$11,500

2.67%
44.51%
89.71%

$12
$266
0.05:1
$5,660

$12
$2,007
$0
$2,163
$0
$5,941
$0
$3,580
$13,703
3.18%
3.18%
$8,104

-
-

March
2006


A+
0.6
23.21
30.7%
0

Adequate
11.6%
12.9%
10.4%


AA
AAA
1.1
100.00
0.52
41.1


$3,148
127.83%
$43,254
13.7:1
$42,764
10.45%
13.59:1


$414,568
$353,598

$32,630

$5,514
$389,685
5.66%
5.77%

$362,976
$165,811
$0
$203,117
$1,500

0.36%
45.68%
89.35%

$10
$196
0.05:1
$5,592

$10
$5,069
$0
$3,366
$0
$89
$0
$512
$9,046
2.18%
2.18%
$3,455

-
-

December
2005


A+
0.6
20.52
35.6%
0

Adequate
11.4%
12.7%
10.5%


AA
AAA
1.0
-316.67
0.51
35.6


$3,040
446.95%
$40,944
13.5:1
$40,799
10.58%
13.42:1


$391,315
$343,769

$31,761

$19,744
$374,367
5.27%
5.81%

$343,399
$161,386
$0
$197,965
$1,500

0.38%
47.00%
92.21%

$36
$900
0.04:1
$5,406

$36
$974
$0
$3,136
$0
$97
$0
$244
$4,487
1.15%
1.15%
$3,233

-
-

All CALL/TFR's file to identical calendars ending Dec-31. Quarterly values reported are cumulative thru the reporting year. Dollar data in thousands unless otherwise noted. Selected rates pre-computed by FDIC are factored according to criteria from the regulatory agency to derive annualized rates. Peering groups are dynamically generated each quarter based the bank unit being examined. See the quarterly for peer listings.
Lord, Whalen LLC dba Institutional Risk Analytics 371 Van Ness Way Suite 110 Torrance, California 90501 310.676.3300