PackageTrendsPeer
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Community Capital Bank

Jonesboro, GA · Cert 57036

FDIC

Q3 2011

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2011, the quarter ended September 30, 2011, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Community Capital Bank

Jonesboro, GA · Cert 57036

FDIC

Q3 2011

$165.3MAssets
$125.8MLoans
$157.8MDeposits
$1.9MEquity
Loan mix
98%RE $110.6M2%C&I $2.1M0%Consumer $0.4MQ3 2010Q3 2011
Deposit mix
93%Interest-bearing $147.5M7%Noninterest $10.3MQ3 2010Q3 2011

NIM

3.99%Q3 ’093.96%Q3 ’104.28%Q3 ’11+41%+27%

Non-interest income vs. expense

3.12%Q3 ’095.72%Q3 ’105.33%Q3 ’11+29%+16%

Executive Summary

  • Earnings: ROA of -1.89%, up 95 bps year over year; NIM at 2.63%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.86%.
  • Funding: loans stand at 79.72% of deposits as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

-1.89%+95 bps YoY

Net Interest Margin (YTD, annualized)

2.63%+56 bps YoY

Efficiency Ratio (YTD, annualized)

145.81%+566 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-2.84%-4.81%-0.03%-1.31%-1.89%+95 bps
Return on Equity-44.30%-84.66%-1.09%-57.08%-93.38%-4,907 bps
Net Interest Margin2.07%2.08%2.04%2.12%2.63%+56 bps
Efficiency Ratio140.15%137.74%105.78%130.04%145.81%+566 bps
Non-Interest Burden3.71%3.63%2.28%3.26%4.30%+60 bps
Growth
Asset Growth (YoY)-1.91%-3.32%-10.02%-8.85%-16.62%-1,471 bps
Loan Growth (YoY)17.09%6.60%-2.61%-14.76%-17.11%-3,420 bps
Deposit Growth (YoY)1.39%8.43%0.88%2.45%-3.61%-501 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.53%4.22%-0.25%0.78%0.86%-67 bps
Allowance / Loans1.75%1.88%1.95%1.79%1.87%+12 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 Capital7.79%4.37%4.44%3.63%2.72%-507 bps
Equity / Assets5.18%2.61%2.44%1.79%1.14%-404 bps
Liquidity & Funding
Loans / Deposits92.69%85.14%83.56%81.55%79.72%-1,298 bps
Liquid Assets / Assets0.25%0.26%13.76%14.48%11.71%+1,146 bps
CRE / Total Capitaln/an/an/an/an/an/an/a