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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

4.28%Q3 ’093.92%Q3 ’104.96%Q3 ’11+22%+57%

Non-interest income vs. expense

3.88%Q3 ’094.99%Q3 ’105.61%Q3 ’11-30%+173%

Executive Summary

  • Earnings: ROA of -3.12%, up 7 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.90%.
  • Funding: loans stand at 79.72% of deposits as of Q3 2011.

Financial Results

Return on Assets (quarter, annualized)

-3.12%+7 bps YoY

Net Interest Margin (quarter, annualized)

3.43%+124 bps YoY

Efficiency Ratio (quarter, annualized)

188.06%+8,742 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-3.19%-10.83%-0.03%-2.63%-3.12%+7 bps
Return on Equity-56.83%-277%-1.09%-123.89%-211%-15,396 bps
Net Interest Margin2.19%2.20%2.04%2.13%3.43%+124 bps
Efficiency Ratio100.64%131.20%105.78%162.57%188.06%+8,742 bps
Non-Interest Burden2.22%3.58%2.28%4.16%6.05%+384 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 / Loans1.56%12.13%-0.25%1.82%0.90%-66 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