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Community National Bank

Bellaire, TX · Cert 57345

FDIC

Q3 2012

$183.0MAssets
$68.0MLoans
$164.6MDeposits
$17.6MEquity
Loan mix
75%RE $40.5M16%C&I $8.3M9%Consumer $4.9MQ3 2011Q3 2012
Deposit mix
73%Interest-bearing $119.8M27%Noninterest $44.8MQ3 2011Q3 2012

NIM

4.24%Q3 ’104.40%Q3 ’113.43%Q3 ’12+12%-19%

Non-interest income vs. expense

3.41%Q3 ’103.41%Q3 ’113.87%Q3 ’12-30%+31%

Executive Summary

  • Earnings: ROA of -0.73%, down 122 bps year over year; NIM at 2.99%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.17%.
  • Funding: loans stand at 41.31% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

-0.73%-122 bps YoY

Net Interest Margin (YTD, annualized)

2.99%-72 bps YoY

Efficiency Ratio (YTD, annualized)

115.97%+3,921 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.49%0.37%0.44%-0.04%-0.73%-122 bps
Return on Equity5.50%4.13%4.63%-0.45%-7.58%-1,307 bps
Net Interest Margin3.71%3.41%2.96%2.96%2.99%-72 bps
Efficiency Ratio76.76%79.29%79.84%79.74%115.97%+3,921 bps
Non-Interest Burden2.68%2.60%2.30%2.30%3.52%+84 bps
Growth
Asset Growth (YoY)-6.29%-4.97%-4.81%-5.94%3.81%+1,011 bps
Loan Growth (YoY)-23.74%-23.13%-25.72%-24.14%-3.99%+1,975 bps
Deposit Growth (YoY)-7.66%-7.27%-7.33%-7.06%3.89%+1,154 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.29%0.97%-0.04%2.84%2.17%+88 bps
Allowance / Loans1.83%1.85%1.91%1.50%1.57%-26 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 Capital19.92%19.67%20.20%20.71%20.04%+11 bps
Equity / Assets9.82%9.50%9.54%9.83%9.64%-17 bps
Liquidity & Funding
Loans / Deposits44.70%43.52%42.21%42.22%41.31%-339 bps
Liquid Assets / Assets25.13%19.19%17.81%21.38%24.46%-66 bps
CRE / Total Capitaln/an/an/an/an/an/an/a