PackageTrendsPeer
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Community National Bank

Ashburn, GA · Cert 33073

FDIC

Q3 2006

$132.9MAssets
$104.9MLoans
$104.9MDeposits
$24.7MEquity
Loan mix
84%RE $60.0M15%C&I $10.7M1%Consumer $0.6MQ4 2004Q3 2006
Deposit mix
90%Interest-bearing $94.3M10%Noninterest $10.7MQ4 2004Q3 2006

Executive Summary

  • Earnings: ROA of 1.56%, up 26 bps year over year; NIM at 4.95%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.12%.
  • Funding: loans stand at 99.95% of deposits as of Q3 2006.

Return on Assets (quarter, annualized)

1.56%+26 bps YoY

Net Interest Margin (quarter, annualized)

4.95%-9 bps YoY

Efficiency Ratio (quarter, annualized)

52.47%-179 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.39%Q3 ’047.31%Q3 ’057.64%Q3 ’06+11%-2%

Non-interest income vs. expense

3.17%Q3 ’043.17%Q3 ’053.05%Q3 ’06-4%-7%

Discrete quarter, annualized.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets1.49%0.88%0.97%1.29%1.70%1.59%-0.91%1.56%+26 bps
Return on Equity13.90%7.90%8.40%10.73%13.31%11.64%-5.91%8.90%-183 bps
Net Interest Margin4.48%4.59%4.88%5.04%5.08%5.09%-2.95%4.95%-9 bps
Efficiency Ratio56.66%57.24%55.83%54.27%57.26%55.81%50.97%52.47%-179 bps
Non-Interest Burden2.27%2.23%2.29%2.37%2.59%2.46%-1.51%2.19%-18 bps
Growth
Asset Growth (YoY)-8.90%-5.78%-2.32%-6.45%-9.13%-10.15%8.74%1.33%+778 bps
Loan Growth (YoY)-7.43%-6.47%-6.01%-7.75%-10.91%-8.78%-5.82%-5.83%+193 bps
Deposit Growth (YoY)-9.70%-6.62%-4.02%-6.29%-11.61%-13.25%-15.37%-8.17%-188 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 / Loans0.21%2.57%0.53%0.79%0.40%0.24%-0.24%0.12%-68 bps
Allowance / Loans1.85%1.64%1.71%1.75%2.10%2.07%1.99%2.07%+33 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 Capital15.06%15.31%15.59%16.25%18.37%18.69%14.05%15.15%-110 bps
Equity / Assets10.94%11.42%11.75%12.32%13.17%14.14%16.50%18.54%+622 bps
Liquidity & Funding
Loans / Deposits91.03%94.18%96.36%97.47%91.75%99.03%107.23%99.95%+249 bps
Liquid Assets / Assets0.14%0.17%0.17%0.18%0.19%0.21%0.19%0.22%+4 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a