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Community National Bank of the Lakeway Area

Morristown, TN · Cert 57445

FDIC · 3 branches

Q2 2014

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: Q2 2014, the quarter ended June 30, 2014, 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 National Bank of the Lakeway Area

Morristown, TN · Cert 57445

FDIC · 3 branches

Q2 2014

$116.5MAssets
$60.4MLoans
$97.4MDeposits
$11.1MEquity
Loan mix
85%RE $46.4M12%C&I $6.5M3%Consumer $1.7MQ2 2013Q2 2014
Deposit mix
81%Interest-bearing $79.2M19%Noninterest $18.1MQ2 2013Q2 2014

NIM

4.01%Q2 ’123.88%Q2 ’133.50%Q2 ’14+6%-11%

Non-interest income vs. expense

3.48%Q2 ’123.67%Q2 ’133.85%Q2 ’14-6%+10%

Market Position · Morristown, TN · 2014 SOD (annual) · 6.9% share · #6 of 14 inst. · $0.1B of $1.4B

8.3% Hamblen
4.9% Jefferson

Executive Summary

  • Earnings: ROA of -0.57%, down 87 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.16%.
  • Funding: loans stand at 61.99% of deposits as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

-0.57%-87 bps YoY

Net Interest Margin (YTD, annualized)

2.96%-37 bps YoY

Efficiency Ratio (YTD, annualized)

116.73%+1,999 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.30%0.18%10.05%1-0.16%-0.57%-87 bps
Return on Equity2.82%1.65%0.45%-1.72%-5.98%-880 bps
Net Interest Margin3.33%3.38%3.36%3.03%2.96%-37 bps
Efficiency Ratio96.74%97.99%100.70%104.74%116.73%+1,999 bps
Non-Interest Burden3.20%3.30%3.38%3.19%3.51%+31 bps
Growth
Asset Growth (YoY)-7.60%-3.07%0.96%8.49%7.11%+1,471 bps
Loan Growth (YoY)-0.12%1.42%1.42%2.70%2.13%+225 bps
Deposit Growth (YoY)-4.21%-1.94%3.91%11.27%8.77%+1,298 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.33%0.45%0.32%0.13%0.16%-17 bps
Allowance / Loans1.64%1.47%1.40%1.39%1.36%-29 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 Capital17.35%17.31%16.50%16.43%16.17%-117 bps
Equity / Assets10.45%10.24%9.56%9.36%9.53%-93 bps
Liquidity & Funding
Loans / Deposits66.02%67.48%65.02%61.65%61.99%-403 bps
Liquid Assets / Assets0.21%0.23%0.26%0.21%0.37%+16 bps
CRE / Total Capitaln/an/an/an/an/an/an/a