PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

CB&T Bank of Russell County

Phenix City, AL · Cert 9055

FDIC

Q1 2010

$328.5MAssets
$248.4MLoans
$284.5MDeposits
$27.5MEquity
Loan mix
83%RE $174.5M17%C&I $35.3M0%Consumer $0.2MQ1 2009Q1 2010
Deposit mix
85%Interest-bearing $240.8M15%Noninterest $43.7MQ1 2009Q1 2010

NIM

6.37%Q1 ’085.19%Q1 ’094.96%Q1 ’10+7%+8%

Non-interest income vs. expense

2.43%Q1 ’082.58%Q1 ’092.77%Q1 ’10+7%+27%

Executive Summary

  • Earnings: ROA of -1.23%, down 140 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 4.34%.
  • Funding: loans stand at 87.30% of deposits as of Q1 2010.

Financial Results

Return on Assets (YTD, annualized)

-1.23%-140 bps YoY

Net Interest Margin (YTD, annualized)

4.06%+30 bps YoY

Efficiency Ratio (YTD, annualized)

59.94%+385 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets0.17%0.27%0.21%0.17%-1.23%-140 bps
Return on Equity1.90%3.08%2.43%1.95%-13.70%-1,560 bps
Net Interest Margin3.76%3.75%3.71%3.79%4.06%+30 bps
Efficiency Ratio56.10%62.59%63.38%62.29%59.94%+385 bps
Non-Interest Burden1.74%2.13%2.17%2.16%2.20%+46 bps
Growth
Asset Growth (YoY)-4.76%-4.15%3.59%-3.00%8.63%+1,338 bps
Loan Growth (YoY)-3.77%-0.43%0.16%0.18%-1.44%+234 bps
Deposit Growth (YoY)-12.13%3.69%7.61%7.66%23.40%+3,553 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.67%0.45%0.61%0.67%4.34%+367 bps
Allowance / Loans2.08%2.16%2.50%2.84%2.99%+91 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 Capital10.72%11.12%10.95%12.19%11.69%+98 bps
Equity / Assets8.83%8.70%8.18%9.66%8.37%-47 bps
Liquidity & Funding
Loans / Deposits109.29%98.25%91.95%97.30%87.30%-2,200 bps
Liquid Assets / Assets0.18%0.15%0.48%0.12%0.11%-7 bps
CRE / Total Capitaln/an/an/an/an/an/an/a