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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)
	2008 Q3	2007 Q3	Y-Y Ch (%)	2008 Q2	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	190,944	178,302	7.09	185,178	12.46
Loans Held for Sale, before Reserves	0	143	NM	0	0.00
Loan Loss Reserve	2,159	1,402	53.99	1,798	80.31
Net Loans Receivable	188,785	177,043	6.63	183,380	11.79
Intangible Assets	11,372	11,650	(2.39)	11,441	(2.41)
Total Assets	330,801	348,025	(4.95)	331,465	(0.80)
Deposits	294,097	311,492	(5.58)	295,159	(1.44)
Debt, Senior and Subordinated	9,000	10,000	(10.00)	9,000	0.00
Common Equity	24,930	23,736	5.03	24,477	7.40
Total Shareholders' Equity	24,930	23,736	5.03	24,477	7.40
Shares Outstanding (actual)	995,474	995,474	0.00	995,474	0.00

Income Statement ($000)
	2008 Q3	2007 Q3	Y-Y Ch (%)	2008 Q2	Q-Q Ch (%)^†
Net Interest Income	2,823	2,517	12.16	2,687	20.25
Provision for Loan Losses	610	270	125.93	290	441.38
Noninterest Income	1,000	993	0.70	1,020	(7.84)
Noninterest Expense	2,664	2,538	4.96	2,731	(9.81)
Net Income Before Taxes	549	702	(21.79)	685	(79.42)
Provision for Taxes	148	171	(13.45)	145	8.28
Net Income	401	531	(24.48)	540	(102.96)

Per Share Items ($)
	2008 Q3	2007 Q3	Y-Y Ch (%)	2008 Q2	Q-Q Ch (%)^†
Book Value per Share	25.04	23.84	5.03	24.59	7.32
Tangible Book Value	13.62	12.14	12.18	13.10	15.93
Diluted EPS Before Extra	0.40	0.54	(25.93)	0.54	(103.70)
Diluted EPS After Extra	0.40	0.54	(25.93)	0.54	(103.70)
Dividends Declared	0.3000	0.3000	0.00	0.3000	0.00

Performance Ratios (%)
	2008 Q3	2007 Q3	Y-Y Ch (bp)	2008 Q2	Q-Q Ch (bp)
ROAA	0.48	0.60	(12)	0.65	(17)
ROAE	6.43	9.24	(281)	8.74	(231)
Net Interest Margin	3.80	3.25	55	3.69	11
Loans / Deposits	64.93	57.24	768	62.74	219
Efficiency Ratio	82.65	76.02	663	78.11	454

Balance Sheet Ratios (%)
	2008 Q3	2007 Q3	Y-Y Ch (bp)	2008 Q2	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	4.24	3.59	65	4.07	17
Equity/ Assets	7.54	6.82	72	7.38	15
Asset Quality Ratios (%)
	2008 Q3	2007 Q3	Y-Y Ch (bp)	2008 Q2	Q-Q Ch (bp)
Nonperforming Assets/ Assets	1.29	1.08	21	0.54	75
Loan Loss Reserves/ Gross Loans	1.13	0.79	35	0.97	16
Loan Loss Reserves/ NPAs	64.89	37.31	2,759	95.94	(3,105)
Net Charge-offs/ Avg Loans	0.53	1.16	(63)	0.91	(38)

Regulatory Capital Ratios (%)
	2008 Q3	2007 Q3	Y-Y Ch (bp)	2008 Q2	Q-Q Ch (bp)
Tier 1 Capital Ratio	11.54	10.85	69	11.45	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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