Community Bank

Granbury, TX · Cert 20202

FDIC · 10 branches

Q3 2014

$639.8MAssets

$282.7MLoans

$526.4MDeposits

$105.7MEquity

Loan mix

Deposit mix

NIM

Market Position · Dallas-Fort Worth-Arlington, TX · 2014 SOD (annual) · 0.3% share · #37 of 168 inst. · $0.5B of $206.1B

11.6% Johnson

16.1% Hood

9.2% Rockwall

0.2% Tarrant

Earnings: ROA of -2.04%, down 357 bps year over year; NIM at -4.19%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
Funding: loans stand at 53.71% of deposits as of Q3 2014.

Return on Assets (quarter, annualized)

-2.04%-357 bps YoY

Net Interest Margin (quarter, annualized)

-4.19%-753 bps YoY

Efficiency Ratio (quarter, annualized)

77.64%+1,143 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q3 2013	Q4 2013	Q1 2014	Q2 2014	Q3 2014	YoY Δ	Trend
Earnings
Return on Assets	1.53%	1.26%	1.21%	1.42%	-2.04%	-357 bps
Return on Equity	17.34%	14.09%	13.56%	15.72%	-15.64%	-3,297 bps
Net Interest Margin	3.34%	3.33%	3.33%	3.38%	-4.19%	-753 bps
Efficiency Ratio	66.22%	70.89%	71.35%	67.27%	77.64%	+1,143 bps
Non-Interest Burden	1.82%	2.08%	2.11%	1.95%	-2.33%	-415 bps
Growth
Asset Growth (YoY)	2.87%	1.85%	3.85%	2.94%	13.81%	+1,094 bps
Loan Growth (YoY)	2.65%	2.07%	3.75%	1.36%	1.18%	-146 bps
Deposit Growth (YoY)	2.30%	1.43%	4.49%	3.99%	5.17%	+287 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.12%	0.13%	0.01%	-0.02%	0.03%	-9 bps
Allowance / Loans	0.80%	0.75%	0.74%	0.74%	0.77%	-3 bps
Allowance Coverage of NPLs	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
Total Risk-Based Capital	19.72%	19.56%	20.00%	20.81%	21.36%	+164 bps
Equity / Assets	8.87%	8.99%	8.92%	9.18%	16.51%	+764 bps
Liquidity & Funding
Loans / Deposits	55.82%	57.35%	56.75%	55.85%	53.71%	-212 bps
Liquid Assets / Assets	44.41%	43.00%	43.68%	44.34%	12.61%	-3,180 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a