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Letter portraitLegal landscapeQuarterYTD

Community Bank, The

Nashville, TN · Cert 31916

FDIC

Q1 2007

$892.5MAssets
$635.1MLoans
$739.8MDeposits
$68.9MEquity
Loan mix
88%RE $449.0M11%C&I $57.9M0%Consumer $0.7MQ2 2005Q1 2007
Deposit mix
91%Interest-bearing $669.6M9%Noninterest $70.1MQ2 2005Q1 2007

Executive Summary

  • Earnings: ROA of 0.70%, up 15 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 85.86% of deposits as of Q1 2007.

Return on Assets (YTD, annualized)

0.70%+15 bps YoY

Net Interest Margin (YTD, annualized)

2.96%-19 bps YoY

Efficiency Ratio (YTD, annualized)

64.84%-874 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.27%Q1 ’056.19%Q1 ’066.72%Q1 ’07+4%-6%

Non-interest income vs. expense

2.96%Q1 ’052.82%Q1 ’062.36%Q1 ’07+1%-21%

Year to date, annualized, through each quarter.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets0.63%0.59%0.60%0.56%0.61%0.57%0.60%0.70%+15 bps
Return on Equity9.03%8.41%8.48%7.60%8.35%7.76%8.23%9.39%+179 bps
Net Interest Margin3.09%3.15%3.08%3.15%3.04%2.94%2.91%2.96%-19 bps
Efficiency Ratio73.36%74.30%74.52%73.58%70.32%69.02%68.84%64.84%-874 bps
Non-Interest Burden2.04%2.13%2.10%2.16%1.95%1.84%1.81%1.71%-45 bps
Growth
Asset Growth (YoY)123.57%10.87%7.83%8.34%16.47%20.55%20.85%14.65%+631 bps
Loan Growth (YoY)146.02%15.92%10.34%14.07%20.07%26.24%28.77%24.97%+1,090 bps
Deposit Growth (YoY)112.91%3.52%7.39%6.88%16.86%23.45%21.81%16.68%+980 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.12%0.16%0.13%0.04%0.09%0.18%0.14%0.04%0 bps
Allowance / Loans1.03%0.99%0.99%0.99%0.99%1.00%1.02%1.05%+6 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital11.02%10.30%10.27%10.81%10.52%10.10%10.12%10.37%-44 bps
Equity / Assets7.27%7.12%7.07%7.61%7.37%7.33%7.29%7.72%+11 bps
Liquidity & Funding
Loans / Deposits80.30%84.37%79.56%80.16%82.51%86.28%84.11%85.86%+570 bps
Liquid Assets / Assets16.97%16.40%15.73%14.98%14.38%13.41%12.47%12.10%-288 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a