PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community Bank, The

Loganville, GA · Cert 16490

FDIC

Q3 2008

$634.9MAssets
$505.8MLoans
$603.7MDeposits
$22.7MEquity
Deposit mix
97%Interest-bearing $583.7M3%Noninterest $20.0MQ3 2007Q3 2008

NIM

8.33%Q3 ’068.28%Q3 ’074.49%Q3 ’08-16%-86%

Non-interest income vs. expense

1.81%Q3 ’061.82%Q3 ’071.59%Q3 ’08+5%+14%

Executive Summary

  • Earnings: ROA of -5.73%, down 753 bps year over year; NIM at 0.61%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.88%.
  • Funding: loans stand at 83.77% of deposits as of Q3 2008.

Financial Results

Return on Assets (YTD, annualized)

-5.73%-753 bps YoY

Net Interest Margin (YTD, annualized)

0.61%-372 bps YoY

Efficiency Ratio (YTD, annualized)

308%+26,914 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2007Q4 2007Q1 2008Q2 2008Q3 2008YoY ΔTrend
Earnings
Return on Assets1.80%0.56%0.08%-2.76%-5.73%-753 bps
Return on Equity18.34%5.91%1.04%-37.16%-88.92%-10,726 bps
Net Interest Margin4.33%3.26%1.67%1.35%0.61%-372 bps
Efficiency Ratio38.92%47.61%85.28%106.06%308%+26,914 bps
Non-Interest Burden1.48%1.39%1.43%1.43%1.68%+21 bps
Growth
Asset Growth (YoY)21.60%26.38%25.01%20.64%12.11%-949 bps
Loan Growth (YoY)17.78%19.67%18.13%18.28%4.87%-1,291 bps
Deposit Growth (YoY)22.85%28.87%28.43%25.88%22.78%-7 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.11%0.25%0.22%0.88%+88 bps
Allowance / Loans1.50%2.19%2.12%4.64%9.11%+761 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 Capital11.29%10.20%9.72%8.48%5.39%-590 bps
Equity / Assets9.49%8.07%7.78%6.49%3.57%-593 bps
Liquidity & Funding
Loans / Deposits98.08%91.08%90.57%89.85%83.77%-1,431 bps
Liquid Assets / Assets0.04%0.10%0.06%0.06%0.06%+2 bps
CRE / Total Capitaln/an/an/an/an/an/an/a