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Letter portraitLegal landscapeQuarterYTD

Community Bank

Espanola, NM · Cert 21000

FDIC · 5 branches

Q2 2015

$174.8MAssets
$108.7MLoans
$145.5MDeposits
$22.4MEquity
Loan mix
89%RE $68.1M10%C&I $7.9M1%Consumer $0.8MQ3 2013Q2 2015
Deposit mix
82%Interest-bearing $119.9M18%Noninterest $25.7MQ3 2013Q2 2015

Market Position · Santa Fe, NM · 2015 SOD (annual) · 1.6% share · #8 of 11 inst. · $0.1B of $3.2B

15.5% Rio Arriba
1.6% Santa Fe
4.3% Los Alamos
0.1% Bernalillo

Executive Summary

  • Earnings: ROA of 0.34%, down 14 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 10.71%.
  • Funding: loans stand at 74.69% of deposits as of Q2 2015.

Return on Assets (quarter, annualized)

0.34%-14 bps YoY

Net Interest Margin (quarter, annualized)

3.37%-7 bps YoY

Efficiency Ratio (quarter, annualized)

86.79%+333 bps YoY

Tier 1 Leverage Ratio

10.71%

NIM

3.86%Q2 ’133.65%Q2 ’143.47%Q2 ’15-3%-2%

Non-interest income vs. expense

3.39%Q2 ’133.37%Q2 ’143.33%Q2 ’15-3%+1%

Discrete quarter, annualized.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets0.33%0.46%0.38%0.48%0.45%0.50%0.38%0.34%-14 bps
Return on Equity2.54%3.66%2.94%3.62%3.47%4.05%3.10%2.68%-94 bps
Net Interest Margin3.51%3.46%3.50%3.44%3.40%3.30%3.24%3.37%-7 bps
Efficiency Ratio90.25%82.74%85.54%83.46%82.60%85.93%83.97%86.79%+333 bps
Non-Interest Burden3.14%2.73%2.92%2.77%2.72%2.76%2.59%2.79%+1 bps
Growth
Asset Growth (YoY)1.31%0.55%-1.07%2.45%-0.37%3.24%9.33%0.85%-160 bps
Loan Growth (YoY)-4.45%-1.13%-1.99%-5.61%-5.26%-4.86%-1.20%1.15%+676 bps
Deposit Growth (YoY)1.59%0.66%-0.13%3.63%0.32%4.76%10.64%-1.08%-472 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%-0.03%-0.03%0.12%-0.03%0.10%+13 bps
Allowance / Loans2.75%2.81%2.90%2.96%2.93%2.94%2.93%2.89%-7 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/a10.50%10.71%n/a
Total Risk-Based Capital17.24%17.44%17.97%18.50%18.30%17.86%18.04%17.59%-91 bps
Equity / Assets12.57%12.68%13.45%13.02%12.72%12.20%12.24%12.79%-23 bps
Liquidity & Funding
Loans / Deposits76.39%76.73%77.74%73.04%72.14%69.69%69.42%74.69%+165 bps
Liquid Assets / Assets12.42%12.36%6.42%12.12%13.43%16.10%10.76%4.12%-799 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a