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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

5.50%Q4 ’025.12%Q4 ’034.58%Q4 ’04+7%+1%

Non-interest income vs. expense

2.33%Q4 ’022.87%Q4 ’033.07%Q4 ’04+26%+14%

Executive Summary

  • Earnings: ROA of 0.41%, down 30 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Funding: loans stand at 101.13% of deposits as of Q4 2004.

Financial Results

Return on Assets (quarter, annualized)

0.41%-30 bps YoY

Net Interest Margin (quarter, annualized)

3.57%+2 bps YoY

Efficiency Ratio (quarter, annualized)

72.10%-202 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets0.71%0.79%0.00%-0.03%0.41%-30 bps
Return on Equity8.71%9.65%-0.04%-0.21%1.83%-688 bps
Net Interest Margin3.55%3.45%3.46%-2.35%3.57%+2 bps
Efficiency Ratio74.12%69.51%73.28%72.33%72.10%-202 bps
Non-Interest Burden2.55%2.31%2.45%-1.58%2.90%+36 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 / Loans0.16%-0.08%0.00%0.28%0.05%-11 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