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Letter portraitLegal landscapeQuarterYTD

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%

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
Return on Assets0.00%0.00%0.00%0.00%0.00%0 bps
Net Interest Margin0.00%0.00%0.00%0.00%0.00%0 bps
Non-Interest Burden0.00%0.00%0.00%0.00%0.00%0 bps
Loan Growth (YoY)-100.00%-100.00%-100.00%-100.00%n/an/a
Nonperforming Loans / Loansn/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/a
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Equity / Assets50.00%50.00%50.00%50.00%50.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps