Largest Ten Georgia Banks and S&Ls - March 31, 2009 ($Mil)
City
Total Assets
Total Risk-based Capital Ratio
% NPA
Net Income
ROA
Net Charge-offs/ Avg. Loans
TheStreet.com Rating
SunTrust Bank Atlanta
$174,237
11.04
3.28
-$782.8
-1.80
1.95
D-
United Community Bank Blairsville
$8,155 .
13.01
4.10
-$102.0
-4.74
3.03
D
Columbus Bank & Trust Co. Columbus
$5,914
15.63
3.48
-$11.2
-0.71
3.59
C+
Bank of North Georgia Alpharetta
$5,750 .
11.04
6.10
-$48.9
-3.29
6.32
D-
Wachovia Card Services, NA Atlanta
$2,645
42.23
0.39
-$41.1
-5.98
7.92
C
BB&T Financial, FSB Columbus
$2,464
15.28
0.96
$14.9
2.77
6.74
C+
Ameris Bank Moultrie
$2,344
11.06
3.51
-$0.2
-0.04
1.25
D+
Georgian Bank Atlanta
$2,270
10.21
5.13
-$8.3
-1.50
0.87
D
Fidelity Bank Atlanta
$1,871
12.50
6.38
-$2.7
-0.61
2.17
D-
AFB&T Athens
$1,601
11.10
5.24
-$3.0
-0.75
1.80
D

Note: Net income and charge-off figures are for the first quarter of 2009. Net Charge-offs ratio is annualized.

Nonperforming Loans - Loans past due 90 days or more, less government-guaranteed balances.

NPA - Nonperforming Assets - NPL and repossessed real estate.

ROA - Return on Average Assets, annualized.

Data Source: Regulator filings via SNL Financial.