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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

5.63%Q3 ’046.20%Q3 ’056.75%Q3 ’06+10%+2%

Non-interest income vs. expense

4.04%Q3 ’043.92%Q3 ’053.35%Q3 ’06+18%-31%

Executive Summary

  • Earnings: ROA of 0.85%, up 53 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.54%.
  • Funding: loans stand at 82.36% of deposits as of Q3 2006.

Financial Results

Return on Assets (quarter, annualized)

0.85%+53 bps YoY

Net Interest Margin (quarter, annualized)

3.89%+7 bps YoY

Efficiency Ratio (quarter, annualized)

66.09%-1,949 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.33%0.77%0.22%0.76%0.85%+53 bps
Return on Equity3.94%9.59%2.72%9.56%10.36%+642 bps
Net Interest Margin3.82%4.41%3.66%3.80%3.89%+7 bps
Efficiency Ratio85.58%75.21%78.97%68.63%66.09%-1,949 bps
Non-Interest Burden3.16%2.90%2.71%2.26%2.17%-99 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 / Loans0.02%0.24%0.47%0.76%0.54%+52 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