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Community Bank, The

Pilot Mountain, NC · Cert 26919

FDIC

Q3 2004

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: Q3 2004, the quarter ended September 30, 2004, 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 Bank, The

Pilot Mountain, NC · Cert 26919

FDIC

Q3 2004

$313.1MAssets
$170.1MLoans
$213.5MDeposits
$81.0MEquity
Loan mix
78%RE $58.5M22%C&I $16.3M1%Consumer $0.6MQ3 2003Q3 2004
Deposit mix
86%Interest-bearing $183.2M14%Noninterest $30.3MQ3 2003Q3 2004

NIM

6.60%Q3 ’025.91%Q3 ’034.25%Q3 ’04-4%-19%

Non-interest income vs. expense

2.79%Q3 ’022.63%Q3 ’032.17%Q3 ’040%-4%

Executive Summary

  • Earnings: ROA of 1.35%, down 40 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 79.68% of deposits as of Q3 2004.

Financial Results

Return on Assets (YTD, annualized)

1.35%-40 bps YoY

Net Interest Margin (YTD, annualized)

3.58%-86 bps YoY

Efficiency Ratio (YTD, annualized)

50.54%+200 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets1.75%1.70%1.06%1.29%1.35%-40 bps
Return on Equity16.93%16.34%5.82%6.26%6.14%-1,080 bps
Net Interest Margin4.44%4.30%3.70%3.61%3.58%-86 bps
Efficiency Ratio48.54%49.87%59.90%53.12%50.54%+200 bps
Non-Interest Burden1.65%1.65%2.13%1.72%1.58%-7 bps
Growth
Asset Growth (YoY)6.02%8.35%33.82%32.03%26.10%+2,008 bps
Loan Growth (YoY)6.20%10.63%8.81%8.71%1.65%-455 bps
Deposit Growth (YoY)1.70%0.97%4.53%3.44%5.56%+386 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.15%0.15%-0.06%0.00%-0.01%-15 bps
Allowance / Loans2.94%2.76%2.58%2.63%2.65%-29 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 Capital16.40%15.80%15.24%15.06%15.66%-74 bps
Equity / Assets10.61%10.62%24.39%24.82%25.86%+1,525 bps
Liquidity & Funding
Loans / Deposits82.75%86.89%82.72%82.62%79.68%-307 bps
Liquid Assets / Assets8.36%6.67%5.22%4.70%4.64%-372 bps
CRE / Total Capitaln/an/an/an/an/an/an/a