First Bank Of The South Financial Statements & Health Reports

Acquired Jul 2007

Vitals

Total Assets

817.2M 30.7 %
Total Deposits

581.0M 7.4 %
Total Net Loans

537.4M 8.1 %
Net Income

1.0M -82.3 %
Book Value

214.4M 205.5 %
Book Value x2

428.9M 205.5 %
Book Value x3

643.3M 205.5 %

ROAA

1.696

ROAE

10.239

Efficiency Ratio

37.916

Net Interest Margin

4.823

Balance Sheet Highlights

Financial Highlights	First Bank Of The South	All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets	817,237	212,703
Total Net Loans	537,352	160,222
Total Deposits	580,958	178,001
Total Equity	214,445	21,309
Profitability
Net Income	1,017	6,567
Return on Average Assets	1.696	1.414
Return on Average Equity	10.239	13.467
Net Interest Margin	4.823	4.402
Efficiency Ratio	37.916	63.216
Noninterest Income/Revenue	1.942	8.628
Balance Sheet Ratios
Loan-to-Deposit	92.494	86.343
Securities/Assets	.004	.212
Total Equity/Total Assets	.262	.1
Tangible Equity/Tangible Assets	.066	-.729
Capital Adequacy
Tier 1 Common Capital	—	—
Tier 1 Capital	56,212	20,360
Tier 2 Capital	7,092	2,031
Total Capital	63,304	22,371
Total Risk Weighted Assets	606,689	170,733
Leverage Ratio	8.82	10.703
Common Equity Tier 1 Capital Ratio	—	—
Tier 1 Capital Ratio	9.27	13.682
Total Capital Ratio	10.43	14.828

Timeline for First Bank Of The South

United Community Bank

First Bank Of The South was acquired by United Community Bank 16 years

View Profile Jul 16 2007

United Community Banks, Inc.

United Community Banks, Inc. became a new parent organization for First Bank Of The South.

View Profile Jun 01 2007

Lanier Community Bank

Acquisition: First Bank Of The South acquired a new subsidiary, Lanier Community Bank, 18 years

View Profile Feb 24 2006

Embry Bank

Acquisition: First Bank Of The South acquired a new subsidiary, Embry Bank, 21 years

View Profile Dec 06 2002