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	Peer Analysis GEORGIA BANCSHARES, INC. (OTCBB - GABA)  Data for trailing four quarters For the definition of a financial field, select the field name below. Performance Ratios (%) GABA Peer Median Peer Average ROAA (2.52)  (0.83)  (1.72)  ROAE (41.47)  (13.15)  (30.45)  Net Interest Margin NA  2.90  2.87  Efficiency Ratio 132.27  90.23  94.34  Loans / Deposits 72.50  76.06  78.74  Asset Quality Ratios (%)       NPAs / Assets NA  8.06  8.44  NCOs / Avg Loans 3.33  1.21  1.71  Reserves / Loans 3.17  2.14  2.00  Reserves / NPAs NA  17.73  54.21  Capital Ratios (%)       Tier 1 Capital NA  10.18  10.00  Tangible Equity / Tangible Assets 4.63  5.23  6.69  Total Equity / Total Assets 4.63  5.23  6.87  Market Ratios       Price / Earnings (x) NA  22.44  19.43  Price / Book (%) 14.98  30.55  37.91  Dividend Yield (%) 0.00  0.00  1.23  Georgia Bancshares, Inc.'s peer group consists of the following: Appalachian Bancshares, Inc. (APAB), CCF Holding Company (CCFH), Cherokee Banking Company (CHKJ), Citizens Bancshares Corporation (CZBS), Community Capital Bancshares, Inc. (ALBY), ebank Financial Services, Inc. (EBDC), Exchange Bankshares, Inc. (EXCH), Georgia-Carolina Bancshares, Inc. (GECR), Southern Community Bancshares, Inc. (SNCB), Southwest Georgia Financial Corporation (SGB), Thomasville Bancshares, Inc. (THVB) Georgia Bancshares, Inc.'s financial data is as of 9/30/2009. Peer financial data is as of 9/30/2009  except for these companies: Appalachian Bancshares, Inc.'s financial data is as of 6/30/2009. CCF Holding Company's financial data is as of 6/30/2009. Cherokee Banking Company's financial data is as of 6/30/2009. Community Capital Bancshares, Inc.'s financial data is as of 6/30/2009. ebank Financial Services, Inc.'s financial data is as of 3/31/2009. Southern Community Bancshares, Inc.'s financial data is as of 9/30/2008. Thomasville Bancshares, Inc.'s financial data is as of 6/30/2009. Copyright 2009, © SNL Financial LC  Terms of Use