PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community National Bank

Metropolis, IL · Cert 3813

FDIC

Q2 2004

$135.2MAssets
$73.1MLoans
$116.5MDeposits
$9.5MEquity
Loan mix
78%RE $28.2M22%C&I $8.0M0%Consumer $0.0MQ2 2003Q2 2004
Deposit mix
90%Interest-bearing $105.3M10%Noninterest $11.2MQ2 2003Q2 2004

NIM

6.11%Q2 ’025.03%Q2 ’034.68%Q2 ’04-3%0%

Non-interest income vs. expense

2.97%Q2 ’023.17%Q2 ’033.02%Q2 ’04+20%-8%

Executive Summary

  • Earnings: ROA of 0.62%, up 16 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 62.80% of deposits as of Q2 2004.

Financial Results

Return on Assets (quarter, annualized)

0.62%+16 bps YoY

Net Interest Margin (quarter, annualized)

3.49%-1 bps YoY

Efficiency Ratio (quarter, annualized)

75.67%-472 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets0.46%0.96%-0.04%0.51%0.62%+16 bps
Return on Equity5.97%12.71%-0.50%6.65%8.29%+232 bps
Net Interest Margin3.50%3.49%3.55%3.48%3.49%-1 bps
Efficiency Ratio80.38%70.51%77.71%77.79%75.67%-472 bps
Non-Interest Burden2.72%2.25%2.64%2.60%2.52%-21 bps
Growth
Asset Growth (YoY)-1.26%2.80%1.55%0.00%-1.59%-33 bps
Loan Growth (YoY)-15.09%-13.37%-12.88%-11.71%-4.01%+1,108 bps
Deposit Growth (YoY)-1.49%2.94%1.20%-0.65%-2.41%-91 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.69%1.56%1.47%-0.01%0.03%-166 bps
Allowance / Loans1.24%1.04%1.14%1.32%1.45%+21 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 Capital12.92%13.37%13.60%14.16%14.10%+117 bps
Equity / Assets7.74%7.41%7.51%7.88%7.00%-75 bps
Liquidity & Funding
Loans / Deposits63.85%59.81%62.55%61.14%62.80%-105 bps
Liquid Assets / Assets0.00%0.00%0.01%0.01%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a