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Community Bank & Trust Company

Tulsa, OK · Cert 17076

FDIC

Q3 2008

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: Q3 2008, the quarter ended September 30, 2008, 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 2026-10-10

Community Bank & Trust Company

Tulsa, OK · Cert 17076

FDIC

Q3 2008

$1.0MAssets
n/aLoans
$500KDeposits
$500KEquity
Deposit mix
0%Interest-bearing $0K100%Noninterest $500KQ3 2007Q3 2008

NIM

6.19%Q3 ’060.00%Q3 ’070.00%Q3 ’08-100%

Non-interest income vs. expense

3.15%Q3 ’060.00%Q3 ’070.00%Q3 ’08-100%

Executive Summary

  • Earnings: ROA of 0.00%, unchanged from a year ago; NIM at 0.00%.
  • Funding: loans stand at 0.00% of deposits as of Q3 2008.

Financial Results

Return on Assets (YTD, annualized)

0.00%0 bps YoY

Net Interest Margin (YTD, annualized)

0.00%0 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2007Q4 2007Q1 2008Q2 2008Q3 2008YoY ΔTrend
Earnings
Return on Assets0.00%0.00%0.00%0.00%0.00%0 bps
Return on Equity0.00%0.00%0.00%0.00%0.00%0 bps
Net Interest Margin0.00%0.00%0.00%0.00%0.00%0 bps
Efficiency Ration/an/an/an/an/an/a
Non-Interest Burden0.00%0.00%0.00%0.00%0.00%0 bps
Growth
Asset Growth (YoY)-99.39%-99.37%-99.35%-99.33%0.00%+9,939 bps
Loan Growth (YoY)-100.00%-100.00%-100.00%-100.00%n/an/a
Deposit Growth (YoY)-99.62%-99.60%-99.59%-99.57%0.00%+9,962 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/a
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 Capital250%250%250%250%250%0 bps
Equity / Assets50.00%50.00%50.00%50.00%50.00%0 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a