Community Bank & Trust Company

Tulsa, OK · Cert 17076

FDIC

Q3 2008

$1.0MAssets

n/aLoans

$500KDeposits

$500KEquity

Loan mix

Deposit mix

Executive Summary

Return on Assets (quarter, annualized)

0.00%-145 bps YoY

Net Interest Margin (quarter, annualized)

0.00%+116,640 bps YoY

Efficiency Ratio (quarter, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q4 2006	Q1 2007	Q2 2007	Q3 2007	Q4 2007	Q1 2008	Q2 2008	Q3 2008	YoY Δ	Trend
Earnings
Return on Assets	0.77%	0.34%	-1.07%	1.45%	0.00%	0.00%	0.00%	0.00%	-145 bps
Return on Equity	4.23%	1.82%	-5.54%	7.36%	0.00%	0.00%	0.00%	0.00%	-736 bps
Net Interest Margin	4.14%	3.87%	3.79%	-1166%	0.00%	0.00%	0.00%	0.00%	+116,640 bps
Efficiency Ratio	67.86%	76.79%	77.31%	n/a	n/a	n/a	n/a	n/a	n/a
Non-Interest Burden	2.71%	2.96%	2.92%	-896%	0.00%	0.00%	0.00%	0.00%	+89,560 bps
Growth
Asset Growth (YoY)	-10.32%	-8.75%	-12.40%	-99.39%	-99.37%	-99.35%	-99.33%	0.00%	+9,939 bps
Loan Growth (YoY)	-26.13%	-32.24%	-31.66%	-100.00%	-100.00%	-100.00%	-100.00%	n/a	n/a
Deposit Growth (YoY)	-9.18%	-11.30%	-15.13%	-99.62%	-99.60%	-99.59%	-99.57%	0.00%	+9,962 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	n/a	n/a	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	2.29%	-0.01%	7.25%	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.91%	2.33%	1.92%	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	13.45%	15.68%	13.73%	250%	250%	250%	250%	250%	0 bps
Equity / Assets	18.59%	19.20%	19.46%	50.00%	50.00%	50.00%	50.00%	50.00%	0 bps
Liquidity & Funding
Loans / Deposits	74.03%	67.59%	66.37%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Liquid Assets / Assets	0.70%	0.72%	0.74%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a