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Financial Highlights

CBT FINANCIAL CORPORATION (OTCBB - CBTC)

Trend Analysis--Quarterly (click here for Annual Analysis)

For the definition of a financial field, click on the field name.

Balance Sheet ($000)
	2009 Q4	2008 Q4	Y-Y Ch (%)	2009 Q3	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	224,568	196,450	14.31	219,079	10.02
Loans Held for Sale, before Reserves	0	0	0.00	0	0.00
Loan Loss Reserve	2,989	2,351	27.14	2,862	17.75
Net Loans Receivable	221,579	194,099	14.16	216,217	9.92
Intangible Assets	11,038	11,304	(2.35)	11,104	(2.38)
Total Assets	356,967	337,795	5.68	352,683	4.86
Deposits	316,518	292,718	8.13	312,056	5.72
Debt, Senior and Subordinated	9,000	16,000	(43.75)	9,000	0.00
Common Equity	27,381	25,433	7.66	27,413	(0.47)
Total Shareholders' Equity	27,381	25,433	7.66	27,413	(0.47)
Shares Outstanding (actual)	995,474	995,474	0.00	995,474	0.00

Income Statement ($000)
	2009 Q4	2008 Q4	Y-Y Ch (%)	2009 Q3	Q-Q Ch (%)^†
Net Interest Income	3,082	2,808	9.76	3,113	(3.98)
Provision for Loan Losses	345	310	11.29	250	152.00
Noninterest Income	1,056	1,028	2.72	1,062	(2.26)
Noninterest Expense	3,042	2,913	4.43	2,993	6.55
Net Income Before Taxes	751	613	22.51	932	(77.68)
Provision for Taxes	180	129	39.53	220	(72.73)
Net Income	571	484	17.98	712	(79.21)

Per Share Items ($)
	2009 Q4	2008 Q4	Y-Y Ch (%)	2009 Q3	Q-Q Ch (%)^†
Book Value per Share	27.51	25.55	7.67	27.54	(0.44)
Tangible Book Value	16.42	14.19	15.68	16.38	0.87
Diluted EPS Before Extra	0.57	0.49	16.33	0.72	(83.33)
Diluted EPS After Extra	0.57	0.49	16.33	0.72	(83.33)
Dividends Declared	0.3000	0.3000	0.00	0.3000	0.00

Performance Ratios (%)
	2009 Q4	2008 Q4	Y-Y Ch (bp)	2009 Q3	Q-Q Ch (bp)
ROAA	0.63	0.59	4	0.80	(17)
ROAE	8.15	7.84	31	10.70	(255)
Net Interest Margin	3.80	3.80	0	3.97	(17)
Loans / Deposits	70.95	67.11	384	70.21	74
Efficiency Ratio	69.71	81.86	(1,215)	67.33	238

Balance Sheet Ratios (%)
	2009 Q4	2008 Q4	Y-Y Ch (bp)	2009 Q3	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	4.72	4.33	40	4.77	(5)
Equity/ Assets	7.67	7.53	14	7.77	(10)
Asset Quality Ratios (%)
	2009 Q4	2008 Q4	Y-Y Ch (bp)	2009 Q3	Q-Q Ch (bp)
Nonperforming Assets/ Assets	1.30	0.71	59	1.32	(2)
Loan Loss Reserves/ Gross Loans	1.33	1.20	13	1.31	2
Loan Loss Reserves/ NPAs	64.43	61.21	322	61.35	308
Net Charge-offs/ Avg Loans	0.39	0.25	15	0.20	19

Regulatory Capital Ratios (%)
	2009 Q4	2008 Q4	Y-Y Ch (bp)	2009 Q3	Q-Q Ch (bp)
Tier 1 Capital Ratio	11.37	10.88	49	11.46	(9)

^† Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

* Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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