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Community State Bank

Norwalk, WI · Cert 15130

FDIC

Q1 2013

$23.6MAssets
$8.6MLoans
$21.7MDeposits
$1.8MEquity
Loan mix
91%RE $6.9M5%C&I $0.4M4%Consumer $0.3MQ1 2012Q1 2013
Deposit mix
79%Interest-bearing $17.1M21%Noninterest $4.6MQ1 2012Q1 2013

NIM

4.30%Q1 ’113.13%Q1 ’122.50%Q1 ’13-29%-16%

Non-interest income vs. expense

3.36%Q1 ’113.12%Q1 ’123.36%Q1 ’13-14%+5%

Executive Summary

  • Earnings: ROA of -0.89%, unchanged from a year ago; NIM at 2.01%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.23%.
  • Funding: loans stand at 39.68% of deposits as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

-0.89%0 bps YoY

Net Interest Margin (YTD, annualized)

2.01%-38 bps YoY

Efficiency Ratio (YTD, annualized)

129.75%+2,137 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets-0.90%-0.87%-0.58%-2.04%-0.89%0 bps
Return on Equity-10.79%-10.35%-6.78%-24.71%-12.14%-135 bps
Net Interest Margin2.40%2.48%2.52%2.47%2.01%-38 bps
Efficiency Ratio108.37%115.69%108.38%115.80%129.75%+2,137 bps
Non-Interest Burden2.64%2.92%2.77%4.30%2.78%+14 bps
Growth
Asset Growth (YoY)9.88%4.16%-3.45%-13.96%-13.69%-2,357 bps
Loan Growth (YoY)-21.90%-25.73%-25.05%-29.90%-34.56%-1,266 bps
Deposit Growth (YoY)13.26%8.91%-1.28%-11.76%-11.28%-2,454 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.40%1.78%1.28%1.02%-0.23%-263 bps
Allowance / Loans1.34%1.51%1.78%1.97%2.40%+106 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 Capital16.53%18.16%20.23%20.39%22.66%+612 bps
Equity / Assets8.56%8.48%8.98%7.17%7.56%-100 bps
Liquidity & Funding
Loans / Deposits53.80%47.88%45.88%41.58%39.68%-1,412 bps
Liquid Assets / Assets41.48%43.44%43.46%46.04%51.23%+975 bps
CRE / Total Capitaln/an/an/an/an/an/an/a