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Northland Community Bank

Northome, MN · Cert 14625

FDIC

Q2 2005

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2005, the quarter ended June 30, 2005, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Northland Community Bank

Northome, MN · Cert 14625

FDIC

Q2 2005

$52.7MAssets
$45.7MLoans
$48.6MDeposits
$4.0MEquity
Loan mix
81%RE $21.2M19%C&I $4.9M0%Consumer $0.0MQ2 2004Q2 2005
Deposit mix
83%Interest-bearing $40.5M17%Noninterest $8.1MQ2 2004Q2 2005

NIM

6.74%Q2 ’036.45%Q2 ’046.45%Q2 ’05-1%-3%

Non-interest income vs. expense

3.59%Q2 ’033.75%Q2 ’043.55%Q2 ’05+0%-3%

Executive Summary

  • Earnings: ROA of 1.48%, up 9 bps year over year; NIM at 4.58%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 94.08% of deposits as of Q2 2005.

Financial Results

Return on Assets (YTD, annualized)

1.48%+9 bps YoY

Net Interest Margin (YTD, annualized)

4.58%-16 bps YoY

Efficiency Ratio (YTD, annualized)

71.67%-2 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets1.39%1.49%1.66%1.67%1.48%+9 bps
Return on Equity18.55%19.60%21.54%20.46%18.67%+12 bps
Net Interest Margin4.75%4.70%4.64%4.66%4.58%-16 bps
Efficiency Ratio71.68%69.91%66.60%67.92%71.67%-2 bps
Non-Interest Burden3.27%3.16%2.95%3.07%3.18%-9 bps
Growth
Asset Growth (YoY)8.73%7.67%9.40%10.17%5.81%-292 bps
Loan Growth (YoY)17.99%23.50%22.84%18.41%7.54%-1,045 bps
Deposit Growth (YoY)5.38%4.26%5.88%6.98%9.08%+371 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.03%-0.03%-0.01%-0.02%0.03%+6 bps
Allowance / Loans0.98%0.96%0.97%0.98%0.98%-1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital11.45%11.09%11.38%11.41%10.80%-65 bps
Equity / Assets8.14%7.79%8.18%8.11%7.55%-59 bps
Liquidity & Funding
Loans / Deposits95.42%95.50%98.80%96.63%94.08%-135 bps
Liquid Assets / Assets1.77%1.65%1.63%1.43%1.42%-35 bps
CRE / Total Capitaln/an/an/an/an/an/an/a