PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community Bank

Cabot, AR · Cert 1749

FDIC

Q4 2008

$424.3MAssets
$298.8MLoans
$292.9MDeposits
$55.9MEquity
Loan mix
80%RE $172.0M19%C&I $41.3M0%Consumer $0.9MQ4 2007Q4 2008
Deposit mix
84%Interest-bearing $247.4M16%Noninterest $45.6MQ4 2007Q4 2008

NIM

5.70%Q4 ’065.79%Q4 ’075.57%Q4 ’08-6%+15%

Non-interest income vs. expense

3.61%Q4 ’062.97%Q4 ’072.98%Q4 ’08-29%-12%

Executive Summary

  • Earnings: ROA of 1.43%, down 23 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.31%.
  • Funding: loans stand at 102.02% of deposits as of Q4 2008.

Financial Results

Return on Assets (YTD, annualized)

1.43%-23 bps YoY

Net Interest Margin (YTD, annualized)

3.70%+49 bps YoY

Efficiency Ratio (YTD, annualized)

50.67%-645 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2007Q1 2008Q2 2008Q3 2008Q4 2008YoY ΔTrend
Earnings
Return on Assets1.65%1.34%1.55%1.60%1.43%-23 bps
Return on Equity12.36%9.98%11.80%12.28%10.92%-144 bps
Net Interest Margin3.20%3.56%3.67%3.75%3.70%+49 bps
Efficiency Ratio57.11%52.10%50.57%51.50%50.67%-645 bps
Non-Interest Burden1.28%1.18%1.18%1.23%1.13%-15 bps
Growth
Asset Growth (YoY)14.41%8.92%16.48%13.24%4.01%-1,040 bps
Loan Growth (YoY)13.69%16.01%24.42%17.77%15.62%+193 bps
Deposit Growth (YoY)1.61%-3.60%4.40%7.91%8.41%+680 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.14%-0.02%-0.76%-0.50%0.31%+46 bps
Allowance / Loans2.53%2.57%2.74%2.76%2.64%+11 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 Capital12.47%12.18%11.69%12.10%12.40%-6 bps
Equity / Assets13.21%13.55%12.67%12.80%13.18%-3 bps
Liquidity & Funding
Loans / Deposits95.65%100.98%101.75%99.34%102.02%+637 bps
Liquid Assets / Assets0.12%0.12%0.12%0.12%0.15%+3 bps
CRE / Total Capitaln/an/an/an/an/an/an/a