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Community Commercial Bank

Germantown, TN · Cert 35132

FDIC

Q4 2004

$269.8MAssets
$182.5MLoans
$180.5MDeposits
$61.0MEquity
Loan mix
57%RE $41.8M43%C&I $31.9M0%Consumer $0.1MQ4 2003Q4 2004
Deposit mix
86%Interest-bearing $155.3M14%Noninterest $25.2MQ4 2003Q4 2004

NIM

5.31%Q4 ’025.20%Q4 ’032.25%Q4 ’04+4%-48%

Non-interest income vs. expense

2.32%Q4 ’022.58%Q4 ’031.43%Q4 ’04+8%-41%

Executive Summary

  • Earnings: ROA of 0.29%, down 32 bps year over year; NIM at 1.74%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.06%.
  • Funding: loans stand at 101.13% of deposits as of Q4 2004.

Financial Results

Return on Assets (YTD, annualized)

0.29%-32 bps YoY

Net Interest Margin (YTD, annualized)

1.74%-158 bps YoY

Efficiency Ratio (YTD, annualized)

66.85%-346 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets0.60%0.79%0.40%0.24%0.29%-32 bps
Return on Equity7.75%9.65%4.81%1.94%1.98%-577 bps
Net Interest Margin3.32%3.45%3.46%1.12%1.74%-158 bps
Efficiency Ratio70.31%69.51%71.41%61.47%66.85%-346 bps
Non-Interest Burden2.23%2.31%2.38%0.79%1.32%-91 bps
Growth
Asset Growth (YoY)7.89%3.65%-2.70%26.69%19.25%+1,135 bps
Loan Growth (YoY)6.06%5.11%3.61%2.09%5.39%-68 bps
Deposit Growth (YoY)7.38%3.35%-4.65%2.74%-2.86%-1,024 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.07%-0.08%-0.04%0.07%0.06%-1 bps
Allowance / Loans1.39%1.32%1.58%1.55%1.52%+13 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 Capital10.95%10.91%10.54%10.84%10.18%-77 bps
Equity / Assets8.04%8.31%8.31%22.51%22.63%+1,459 bps
Liquidity & Funding
Loans / Deposits93.22%94.23%96.77%93.88%101.13%+791 bps
Liquid Assets / Assets0.10%0.08%0.03%0.18%0.15%+5 bps
CRE / Total Capitaln/an/an/an/an/an/an/a