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Community Business Bank

Cumming, GA · Cert 58624

FDIC · 2 branches

Q1 2015

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: Q1 2015, the quarter ended March 31, 2015, 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 Business Bank

Cumming, GA · Cert 58624

FDIC · 2 branches

Q1 2015

$154.9MAssets
$96.0MLoans
$126.9MDeposits
$19.4MEquity
Loan mix
89%RE $74.6M10%C&I $8.6M1%Consumer $0.5MQ1 2014Q1 2015
Deposit mix
72%Interest-bearing $91.5M28%Noninterest $35.4MQ1 2014Q1 2015

NIM

3.47%Q1 ’133.58%Q1 ’143.30%Q1 ’15+3%-7%

Non-interest income vs. expense

2.20%Q1 ’132.17%Q1 ’143.09%Q1 ’15-2%+44%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2014 SOD (annual) · 0.1% share · #59 of 100 inst. · $0.1B of $132.6B

Executive Summary

  • Earnings: ROA of -0.24%, down 84 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.93%.
  • Funding: loans stand at 75.64% of deposits as of Q1 2015.

Financial Results

Return on Assets (YTD, annualized)

-0.24%-84 bps YoY

Net Interest Margin (YTD, annualized)

2.84%-23 bps YoY

Efficiency Ratio (YTD, annualized)

104.68%+3,618 bps YoY

Tier 1 Leverage Ratio

12.93%

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets0.60%0.64%0.67%0.71%-0.24%-84 bps
Return on Equity4.45%4.82%5.12%5.39%-1.85%-631 bps
Net Interest Margin3.07%2.98%3.02%3.06%2.84%-23 bps
Efficiency Ratio68.50%66.25%65.93%64.93%104.68%+3,618 bps
Non-Interest Burden2.07%1.94%1.95%1.95%2.98%+91 bps
Growth
Asset Growth (YoY)8.52%15.81%10.83%13.65%9.65%+114 bps
Loan Growth (YoY)18.12%20.41%15.68%8.44%5.66%-1,246 bps
Deposit Growth (YoY)7.53%16.55%12.76%18.89%13.60%+607 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%-0.06%-0.05%0.00%0 bps
Allowance / Loans1.62%1.51%1.54%1.58%1.62%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/a12.93%n/an/a
Total Risk-Based Capital20.46%19.67%19.99%20.56%20.35%-11 bps
Equity / Assets13.13%12.66%13.09%13.05%12.53%-60 bps
Liquidity & Funding
Loans / Deposits81.33%83.88%85.28%80.18%75.64%-568 bps
Liquid Assets / Assets21.00%19.13%16.78%21.46%26.72%+572 bps
CRE / Total Capitaln/an/an/an/an/an/an/a