Peer Analysis

*Click on the field names for a definition.
Peer Analysis data as of December 31, 2011.

Profitability Ratios (%)	Institution	Peer Median	Peer Average	Peer Margin (%)
ROAA	0.19	-0.20	-0.44	331.58
ROAE	3.20	-3.63	-5.13	260.31
Efficiency Ratio	71.02	78.41	77.47	-9.08
Total Loans / Total Deposits	78.25	41.85	42.37	45.85

Asset Quality Ratios (%)	Institution	Peer Median	Peer Average	Peer Margin (%)
Nonperforming Assets / TA	7.36	7.92	7.92	-7.61
Net Charge-offs / Avg Loans	2.41	2.15	2.15	36.51
Loan Loss Reserves / GL	2.54	2.11	2.06	18.90
Loan Loss Reserves / Nonperf Assets	23.21	13.89	13.89	40.16

Capital Ratios (%)	Institution	Peer Median	Peer Average	Peer Margin (%)
Tangible Equity / Tangible Assets	6.50	8.15	10.28	-58.15

Valuation Ratios (%)	Institution	Peer Median	Peer Average	Peer Margin (%)
Current P/E Ratio - Basic	35.06	28.31	28.31	63.35
Price / Book (%)	0.24	0.40	0.43	-79.17
Dividend Yield (%)	0.00	0.00	1.23
Dividend Payout Ratio (%)	0.00	0.00	0.00

Community Bank Trust's peers are First Community Bank (SCMF); Newbridge Bancorp (NBBC); Capital Bank Corp (CBKN); BNC Bancorp (BNCN); Yadkin Valley Financial Corp (YAVY); for the above statistics.

Peer Analysis information is provided by Highline Financial LLC. The company makes no representations or warranties with respect to the information contained herein and takes no responsibility for supplementing, updating, or correcting any such information.

Price	$1.43
Change	+ 0.04
Volume	8,900
Feb 6, 2012 - 2:28 PM ET