Community Bankers Trust Corporation
Community Bankers Trust — Investor Presentation (August 2017)
29 slides from Community Bankers Trust's investor presentation, Aug 2, 2017
Slide 1: Consistently Growing Shareholder Value
Community Bankers st Corporation CONSISTENTLY GROWING SHAREHOLDER VALUE.
Slide 2: Forward Looking Statement
Community Bankers Trust C poration FORWARD LOOKING STATEMENT ‘This presentation of Community Bankers Trust Corporation may okide farward-oaking that are eubject to rieks and uncertainties, These forward-looking statements include, Statements with respect to the Company's operations, performance, fut
Slide 3: Well-capitalized, mid-Atlantic bank holding company headquartered in Richmond, Virginia
Well - capitalized, mid - Atlantic bank holding company headquartered in Richmond, Virginia Holding company for Essex Bank Founded 1926 25 retail branches across Virginia and Maryland Share price as of July 21, 2017: $8.60 Total Assets* $1.3B Total Stockholder’s Equity* $121.8M Common Tangible Book
Slide 4: Strong regional franchise along the I-95 corridor
Seven locations in Maryland/DC Metro Eighteen locations in Virginia Strong regional franchise along the I - 95 corridor Headquarters in Richmond, Virginia
Slide 5: How Far We've Come
CommunityB. ¢Teust Corporation 2010 to Now HOW FAR WE'VE COME From near-catastrophe to extraordinary performance
Slide 6: Every single decision is based on creating non-diluted shareholder value
Every single decision we make is based on creating non - diluted shareholder value. Rex L. Smith III President and CEO, Essex Bank
Slide 7: Management team
Jeff Cantrell Chief Operations Officer Patricia V. Davis Chief Credit Officer Chip Carter Director of Retail Banking William Saunders Chief Risk Officer Birchell L. Goldston Chief Internal Auditor Bruce E. Thomas Chief Financial Officer
Slide 8: Growing To Win strategy and system innovations
In two years, we implemented 35 major system innovations in our “Growing To Win” strategy. The early termination of our FDIC shared - loss agreement in 2015 turned the acquisition of a failed savings - bank into one of our more profitable lines of business. Jeff Cantrell Chief Operations Officer (In
Slide 9: Standardized credit policies and credit culture
We started in 2010 to standardize credit policies, procedures, underwriting, training, loan review and more. The credit culture that embodies the bank today prioritizes quality, profitability and growth to safeguard our customers, associates and shareholders now and in the future. Patricia V. Davis
Slide 10: Aligning credit risk management and marketing strategies
Aligning our credit risk management and marketing strategies clearly defined the vision for our associates to execute. Continuous review and improvement of key processes make our associates more effective helping customers achieve their personal and business goals. Patricia V. Davis Chief Credit Off
Slide 11: Growing a quality digital banking experience with regional branches
We’re growing a quality digital banking experience, with regional branches for one - on - one financial care when it’s needed. Our new and remodeled banking centers are crafted for conversations about what’s important in customers’ lives, not stodgy boxes for transactions. Chip Carter Director of Re
Slide 12: Risk, compliance and audit programs
We quickly assembled strong BSA/anti - money - laundering and consumer compliance programs, avoiding the penalties experienced by many banks. Our team has reallocated assets to focus more on electronic and cyber threats while effectively monitoring traditional risks. William Saunders Chief Risk Offi
Slide 13: Established in three of the top East Coast markets
Established in three of the top markets in the East Coast. The best management team in our market. Consistent growth in shareholder value. Strong, expanding retail franchise. Evolving, flexible.
Slide 14: Trends: Positive Performance
kers rporation CONSISTENTLY GROWING SHAREHOL Communit ty TRENDS Positive Performa
Slide 15: | | all | =
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Slide 16: Deposits: Non-Interest-Bearing/Total
Community Bankers ‘Trust Corporation DEPOSITS: NON-INTEREST-BEARING/TOTAL ;
Slide 17: Loans Comparison
Community Bankers ‘Trust Corporation LOANS COMPARISON 38.99 2949 1539 1165 A : i pio ed 73 092 mm? 038 035
Slide 18: Investments/Loans as a % of Total Assets
Community Bankers ‘Trust Corporation INVESTMENTS/LOANS as a % of total assets Se
Slide 19: Brokered vs. Retail Deposits
Slide 20: Earnings Coverage of Net Losses
CommunityB EARNINGS COVERAGE of NET LOSSES MN s50x Bank 26.95 17.55 8 70 Pre 339 | 33rd Percentile
Slide 21: Strategic Fortitude = Shareholder Value
Community Banker: Trust Cc ion Strategic Fortitude = Shareholder Value
Slide 22: Return on Assets
RETURN ON ASSETS
Slide 23: Return on Equity
RETURN ON EQUITY
Slide 24: Earnings Per Share
CommunityB EARNINGS PER SHARE
Slide 25: Price-to-Book Value Ratio
CommunityB PRICE-TO-BOOK VALUE RATIO _....:.
Slide 26: Common Tangible Book Value Per Share
CommunityB COMMON TANGIBLE BOOK VALUE PER SHARE
Slide 27: Leverage Capital Ratio
CommunityB LEVERAGE CAPITAL RATIO
Slide 28: Stock moved from discount to premium to book value
Our ability to deliver ever - improving results, without diluting shareholders, has transformed our stock from trading at a sizeable discount to book value in 2010 to trading at a premium to book value today. Bruce E. Thomas Chief Financial Officer
Slide 29: Consistently Growing Shareholder Value: Proven Performance
CONSISTENTLY GROWING SHAREHOLDER VALUE PROVEN PERFORMANCE Promises kept, and a promising future. NASDA
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