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Community Bank & Trust Company

Clarks Summit, PA · Cert 14530

FDIC

Q4 2010

$619.4MAssets
$445.3MLoans
$561.8MDeposits
$47.4MEquity
Loan mix
76%RE $219.0M24%C&I $68.4M0%Consumer $1.4MQ4 2009Q4 2010
Deposit mix
89%Interest-bearing $502.3M11%Noninterest $59.5MQ4 2009Q4 2010

NIM

5.42%Q4 ’084.82%Q4 ’094.43%Q4 ’10-4%-9%

Non-interest income vs. expense

2.62%Q4 ’082.92%Q4 ’093.25%Q4 ’10+12%+18%

Executive Summary

  • Earnings: ROA of 0.41%, up 120 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.53%.
  • Funding: loans stand at 79.26% of deposits as of Q4 2010.

Financial Results

Return on Assets (YTD, annualized)

0.41%+120 bps YoY

Net Interest Margin (YTD, annualized)

2.93%-29 bps YoY

Efficiency Ratio (YTD, annualized)

90.40%+1,643 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets-0.79%0.66%0.69%0.66%0.41%+120 bps
Return on Equity-9.55%9.45%9.63%9.07%5.62%+1,517 bps
Net Interest Margin3.22%2.93%2.91%2.95%2.93%-29 bps
Efficiency Ratio73.97%75.76%76.92%79.26%90.40%+1,643 bps
Non-Interest Burden2.20%2.07%2.10%2.20%2.59%+39 bps
Growth
Asset Growth (YoY)7.85%5.70%4.85%5.98%-4.29%-1,213 bps
Loan Growth (YoY)-1.71%-8.30%-9.07%-11.67%-7.03%-533 bps
Deposit Growth (YoY)8.94%12.58%7.04%5.55%-4.92%-1,386 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.09%3.06%1.65%1.61%1.53%+44 bps
Allowance / Loans3.65%3.19%3.21%3.05%2.82%-83 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 Capital11.61%11.94%12.28%12.88%12.84%+122 bps
Equity / Assets6.87%7.02%7.48%7.59%7.65%+78 bps
Liquidity & Funding
Loans / Deposits81.06%79.65%80.67%76.43%79.26%-180 bps
Liquid Assets / Assets0.00%0.00%0.00%7.33%3.11%+311 bps
CRE / Total Capitaln/an/an/an/an/an/an/a