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Community National Bank

Dayton, TN · Cert 19272

FDIC · 6 branches

Q4 2020

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: Q4 2020, the quarter ended December 31, 2020, 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 2026-10-11

Community National Bank

Dayton, TN · Cert 19272

FDIC · 6 branches

Q4 2020

$268.5MAssets
$160.0MLoans
$238.4MDeposits
$28.8MEquity
Loan mix
83%RE $100.1M15%C&I $18.3M2%Consumer $2.8MQ4 2019Q4 2020
Deposit mix
77%Interest-bearing $184.8M23%Noninterest $53.7MQ4 2019Q4 2020

NIM

4.75%Q4 ’184.68%Q4 ’194.01%Q4 ’20-11%-11%

Non-interest income vs. expense

3.73%Q4 ’183.77%Q4 ’194.30%Q4 ’20+5%+20%

Market Position · Chattanooga, TN-GA · 2020 SOD (annual) · 1.1% share · #15 of 27 inst. · $0.1B of $12.2B

18.2% Rhea
18.0% Walker
3.8% Catoosa
0.1% Hamilton

Executive Summary

  • Earnings: ROA of -0.14%, down 114 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 6.18% of loans (+131 bps YoY), with net charge-offs at 0.54%.
  • Capital: tier 1 leverage ratio of 9.82%, down 74 bps from a year ago.
  • Funding: loans stand at 67.10% of deposits as of Q4 2020.

Financial Results

Return on Assets (YTD, annualized)

-0.14%-114 bps YoY

Net Interest Margin (YTD, annualized)

3.54%-44 bps YoY

Efficiency Ratio (YTD, annualized)

101.54%+2,222 bps YoY

Tier 1 Leverage Ratio

9.82%-74 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2019Q1 2020Q2 2020Q3 2020Q4 2020YoY ΔTrend
Earnings
Return on Assets1.00%0.01%10.06%1-0.18%-0.14%-114 bps
Return on Equity9.30%0.07%0.58%-1.74%-1.30%-1,060 bps
Net Interest Margin3.98%3.66%3.75%3.58%3.54%-44 bps
Efficiency Ratio79.32%103.90%101.52%104.13%101.54%+2,222 bps
Non-Interest Burden3.00%3.83%3.82%3.76%3.60%+61 bps
Growth
Asset Growth (YoY)15.66%2.53%4.40%3.77%-1.60%-1,726 bps
Loan Growth (YoY)2.82%-7.96%-12.65%-13.98%-12.53%-1,536 bps
Deposit Growth (YoY)17.85%3.02%4.44%4.13%-1.78%-1,963 bps
Asset Quality
Nonperforming Loans / Loans4.87%5.79%5.16%7.87%6.18%+131 bps
Net Charge-Offs / Loans-0.06%-0.05%0.31%0.48%0.54%+60 bps
Allowance / Loans1.28%1.43%1.27%1.18%1.28%0 bps
Allowance Coverage of NPLs0.3x0.2x0.2x0.2x0.2x-0.1x
Capital
Tier 1 Leverage Ratio10.56%10.35%10.21%9.87%9.82%-74 bps
Total Risk-Based Capital17.17%10.35%10.21%9.87%9.82%-735 bps
Equity / Assets10.53%10.43%10.69%10.35%10.73%+20 bps
Liquidity & Funding
Loans / Deposits75.35%73.11%69.20%65.91%67.10%-825 bps
Liquid Assets / Assets15.92%10.93%10.42%11.26%11.20%-472 bps
CRE / Total Capitaln/an/an/an/an/an/an/a