PackageTrendsPeer
Letter portraitLegal landscape

Consolidated Bank and Trust Company

Richmond, VA · Cert 11583

FDIC

Q1 2011

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2011, the quarter ended March 31, 2011, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Consolidated Bank and Trust Company

Richmond, VA · Cert 11583

FDIC

Q1 2011

$71.5MAssets
$43.9MLoans
$63.4MDeposits
$7.7MEquity
Loan mix
85%RE $32.0M14%C&I $5.2M1%Consumer $0.5MQ1 2010Q1 2011
Deposit mix
77%Interest-bearing $49.0M23%Noninterest $14.4MQ1 2010Q1 2011

NIM

4.86%Q1 ’095.37%Q1 ’104.70%Q1 ’11+30%-15%

Non-interest income vs. expense

4.02%Q1 ’093.47%Q1 ’103.71%Q1 ’11-17%+9%

Executive Summary

  • Earnings: ROA of 0.49%, down 79 bps year over year; NIM at 4.28%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 69.21% of deposits as of Q1 2011.

Financial Results

Return on Assets (YTD, annualized)

0.49%-79 bps YoY

Net Interest Margin (YTD, annualized)

4.28%-73 bps YoY

Efficiency Ratio (YTD, annualized)

77.68%+1,498 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2010Q2 2010Q3 2010Q4 2010Q1 2011YoY ΔTrend
Earnings
Return on Assets1.28%1.20%1.15%1.16%0.49%-79 bps
Return on Equity14.87%13.44%12.42%12.34%4.74%-1,013 bps
Net Interest Margin5.01%4.79%5.04%4.99%4.28%-73 bps
Efficiency Ratio62.70%63.74%63.99%63.80%77.68%+1,498 bps
Non-Interest Burden2.95%2.87%3.03%2.97%3.21%+26 bps
Growth
Asset Growth (YoY)-14.91%-11.96%-14.15%-0.33%-6.60%+831 bps
Loan Growth (YoY)-21.86%-21.29%-21.04%-12.43%-11.64%+1,021 bps
Deposit Growth (YoY)-14.80%-12.35%-14.74%-1.87%-8.55%+626 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.07%-0.07%-0.05%-0.05%0.09%+16 bps
Allowance / Loans0.19%0.27%0.45%0.55%0.67%+49 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital12.13%13.61%15.30%16.39%16.53%+440 bps
Equity / Assets8.78%9.59%10.50%9.84%10.71%+193 bps
Liquidity & Funding
Loans / Deposits71.64%70.58%72.90%64.99%69.21%-243 bps
Liquid Assets / Assets6.40%7.79%6.04%15.43%7.51%+111 bps
CRE / Total Capitaln/an/an/an/an/an/an/a