PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community Bank

Blountsville, AL · Cert 57

FDIC

Q3 2006

$569.5MAssets
$364.3MLoans
$442.3MDeposits
$48.3MEquity
Loan mix
87%RE $155.0M13%C&I $23.2M0%Consumer $0.7MQ3 2005Q3 2006
Deposit mix
83%Interest-bearing $365.1M17%Noninterest $77.2MQ3 2005Q3 2006

NIM

5.61%Q3 ’045.91%Q3 ’056.56%Q3 ’06+4%+6%

Non-interest income vs. expense

3.95%Q3 ’044.09%Q3 ’053.46%Q3 ’06+1%-19%

Executive Summary

  • Earnings: ROA of 0.61%, up 31 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.59%.
  • Funding: loans stand at 82.36% of deposits as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

0.61%+31 bps YoY

Net Interest Margin (YTD, annualized)

3.81%+22 bps YoY

Efficiency Ratio (YTD, annualized)

70.98%-1,584 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.30%0.42%0.22%0.49%0.61%+31 bps
Return on Equity3.69%5.18%2.72%6.13%7.54%+385 bps
Net Interest Margin3.59%3.69%3.66%3.72%3.81%+22 bps
Efficiency Ratio86.83%83.24%78.97%73.58%70.98%-1,584 bps
Non-Interest Burden2.97%2.87%2.71%2.47%2.40%-57 bps
Growth
Asset Growth (YoY)6.17%3.56%5.84%7.35%1.09%-508 bps
Loan Growth (YoY)5.40%12.20%16.31%14.07%8.13%+273 bps
Deposit Growth (YoY)1.21%-1.93%0.37%1.66%-0.05%-126 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.19%0.20%0.47%0.61%0.59%+40 bps
Allowance / Loans1.43%1.39%1.43%1.38%1.44%+2 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 Capital10.81%12.15%11.80%12.44%12.60%+179 bps
Equity / Assets8.02%8.05%7.91%8.02%8.48%+47 bps
Liquidity & Funding
Loans / Deposits76.13%76.76%79.69%82.59%82.36%+623 bps
Liquid Assets / Assets0.38%0.40%0.41%1.13%0.78%+40 bps
CRE / Total Capitaln/an/an/an/an/an/an/a