Corporate Profile Officers & Directors Stock Information Basis Calculator News Financial Highlights Peer Analysis Deposit Marketshare Market Makers Documents Section 16 Filings Stock Splits & Stock Dividends Event Calendar Email Notification Information Request FAQ Branch Locator Office Locations	Financial Highlights GEORGIA BANCSHARES, INC. (OTCBB - GABA)  Trend Analysis--Quarterly (click here for Annual Analysis) For the definition of a financial field, click on the field name. Balance Sheet ($000) 2009 Q3 2008 Q3 Y-Y Ch (%) 2009 Q2 Q-Q Ch (%)† Loans Held for Investment, before Reserves 277,031 305,858 (9.42) 290,406 (18.42) Loans Held for Sale, before Reserves NA 703 NA 1,626 NA Loan Loss Reserve 8,792 5,201 69.04 11,043 (81.54) Net Loans Receivable 268,239 301,360 (10.99) 280,989 (18.15) Intangible Assets 0 0 0.00 0 0.00 Total Assets 442,025 387,408 14.10 447,884 (5.23) Deposits 382,109 322,990 18.30 387,439 (5.50) Debt, Senior and Subordinated NA 32,511 NA 33,175 NA Common Equity 18,159 26,511 (31.50) 19,496 (27.43) Total Shareholders' Equity 20,454 28,806 (28.99) 21,791 (24.54) Shares Outstanding (actual) 3,398,715 3,162,371 7.47 3,398,715 0.00 Income Statement ($000) 2009 Q3 2008 Q3 Y-Y Ch (%) 2009 Q2 Q-Q Ch (%)† Net Interest Income 1,946 2,353 (17.30) 1,794 33.89 Provision for Loan Losses 2,007 1,306 53.68 4,896 (236.03) Noninterest Income 445 541 (17.74) 487 (34.50) Noninterest Expense 3,571 2,805 27.31 3,148 53.75 Net Income Before Taxes (3,187) (1,217) 161.87 (6,836) (213.52) Provision for Taxes (1,248) (276) 352.17 (2,777) (220.24) Net Income (1,939) (941) 106.06 (4,059) (208.92) Per Share Items ($) 2009 Q3 2008 Q3 Y-Y Ch (%) 2009 Q2 Q-Q Ch (%)† Book Value per Share 5.34 8.38 (36.28) 5.74 (27.87) Tangible Book Value 5.34 8.38 (36.28) 5.74 (27.87) Diluted EPS Before Extra (0.57) (0.29) 96.55 (1.19) (208.40) Diluted EPS After Extra (0.57) (0.29) 96.55 (1.19) (208.40) Dividends Declared 0.0000 0.1000 NM 0.0000 0.00 Performance Ratios (%) 2009 Q3 2008 Q3 Y-Y Ch (bp) 2009 Q2 Q-Q Ch (bp) ROAA (1.74) (0.98) (76) (3.92) 218 ROAE (36.72) (12.83) (2,389) (68.03) 3,131 Net Interest Margin 1.97 2.68 (71) 1.95 2 Loans / Deposits 72.50 94.70 (2,220) 74.96 (245) Efficiency Ratio 149.35 96.92 5,243 138.01 1,134 Balance Sheet Ratios (%) 2009 Q3 2008 Q3 Y-Y Ch (bp) 2009 Q2 Q-Q Ch (bp) Tangible Equity/ Tangible Assets 4.63 7.44 (281) 4.87 (24) Equity/ Assets 4.63 7.44 (281) 4.87 (24) Asset Quality Ratios (%) 2009 Q3 2008 Q3 Y-Y Ch (bp) 2009 Q2 Q-Q Ch (bp) Nonperforming Assets/ Assets NA 3.90 NA 6.93 NA Loan Loss Reserves/ Gross Loans 3.17 1.70 148 3.78 (61) Loan Loss Reserves/ NPAs NA 34.44 NA 35.58 NA Net Charge-offs/ Avg Loans 5.99 1.10 489 3.67 231 Regulatory Capital Ratios (%) 2009 Q3 2008 Q3 Y-Y Ch (bp) 2009 Q2 Q-Q Ch (bp) Tier 1 Capital Ratio NA 10.20 NA 8.55 NA   † Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4   *  Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four. Copyright 2009, © SNL Financial LC  Terms of Use