Peer Analysis

*Click on the field names for a definition.
Peer Analysis data as of June 30, 2010.

Profitability Ratios (%)	Institution	Peer Median	Peer Average	Peer Margin (%)
ROAA	-1.05	-0.45	-1.19	-3.81
ROAE	-13.55	-5.28	-14.64	-8.63
Efficiency Ratio	79.95	68.13	71.59	5.08
Total Loans / Total Deposits	89.71	82.08	85.84	3.18

Asset Quality Ratios (%)	Institution	Peer Median	Peer Average	Peer Margin (%)
Nonperforming Assets / TA	4.15	3.45	3.72	6.02
Net Charge-offs / Avg Loans	1.84	1.38	1.61	1.09
Loan Loss Reserves / GL	2.98	2.12	2.21	23.49
Loan Loss Reserves / Nonperf Assets	50.79	52.92	43.53	15.59

Capital Ratios (%)	Institution	Peer Median	Peer Average	Peer Margin (%)
Tangible Equity / Tangible Assets	6.85	6.38	6.73	-4.67

Valuation Ratios (%)	Institution	Peer Median	Peer Average	Peer Margin (%)
Current P/E Ratio - Basic	-23.34	9.57	-13.00	-44.30
Price / Book (%)	0.30	0.41	0.50	-66.67
Dividend Yield (%)	0.00	0.00	0.98
Dividend Payout Ratio (%)	0.00	0.00	-9.28

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	$1.99
Change	- 0.07
Volume	28,800
Jul 29, 2010 - 3:59 PM ET