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Community State Bank of St. Charles

Saint Charles, MI · Cert 15868

FDIC · 7 branches

Q3 2016

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: Q3 2016, the quarter ended September 30, 2016, 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

Community State Bank of St. Charles

Saint Charles, MI · Cert 15868

FDIC · 7 branches

Q3 2016

$193.2MAssets
$92.2MLoans
$170.3MDeposits
$22.4MEquity
Loan mix
72%RE $55.8M22%C&I $17.3M5%Consumer $4.0MQ3 2015Q3 2016
Deposit mix
84%Interest-bearing $142.5M16%Noninterest $27.9MQ3 2015Q3 2016

NIM

3.25%Q3 ’143.24%Q3 ’153.33%Q3 ’16+2%+3%

Non-interest income vs. expense

3.29%Q3 ’143.28%Q3 ’152.88%Q3 ’16+5%-13%

Market Position · Saginaw, MI · 2016 SOD (annual) · 6.3% share · #6 of 15 inst. · $0.1B of $2.1B

6.3% Saginaw
0.9% Genesee
0.9% Shiawassee

Executive Summary

  • Earnings: ROA of 0.54%, up 4 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.11%.
  • Capital: tier 1 leverage ratio of 9.85%, up 18 bps from a year ago.
  • Funding: loans stand at 54.13% of deposits as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

0.54%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.25%+10 bps YoY

Efficiency Ratio (YTD, annualized)

74.01%-1,222 bps YoY

Tier 1 Leverage Ratio

9.85%+18 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets0.50%0.69%0.36%0.48%0.54%+4 bps
Return on Equity4.50%6.28%3.30%4.31%4.80%+30 bps
Net Interest Margin3.14%3.16%3.20%3.24%3.25%+10 bps
Efficiency Ratio86.23%85.05%78.98%75.30%74.01%-1,222 bps
Non-Interest Burden2.81%2.77%2.59%2.50%2.45%-36 bps
Growth
Asset Growth (YoY)-0.45%2.78%3.45%2.85%2.37%+281 bps
Loan Growth (YoY)12.58%12.01%18.21%18.80%13.43%+85 bps
Deposit Growth (YoY)-0.94%2.39%3.54%2.44%1.85%+279 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.07%0.11%0.07%-0.15%-0.11%-18 bps
Allowance / Loans2.64%1.99%1.90%1.88%1.80%-84 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.67%9.52%9.28%9.64%9.85%+18 bps
Total Risk-Based Capital20.65%20.25%20.02%21.29%21.12%+47 bps
Equity / Assets11.22%10.92%11.04%11.47%11.62%+39 bps
Liquidity & Funding
Loans / Deposits48.61%46.79%49.14%53.50%54.13%+552 bps
Liquid Assets / Assets5.03%4.96%4.87%4.61%4.52%-51 bps
CRE / Total Capitaln/an/an/an/an/an/an/a