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Community State Bank

Milbank, SD · Cert 26638

FDIC · 3 branches

Q2 2015

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 2015, the quarter ended June 30, 2015, 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

Milbank, SD · Cert 26638

FDIC · 3 branches

Q2 2015

$158.5MAssets
$113.5MLoans
$133.0MDeposits
$19.7MEquity
Loan mix
80%RE $64.9M15%C&I $12.0M6%Consumer $4.6MQ2 2014Q2 2015
Deposit mix
85%Interest-bearing $112.7M15%Noninterest $20.3MQ2 2014Q2 2015

NIM

4.30%Q2 ’134.15%Q2 ’144.13%Q2 ’15+1%+1%

Non-interest income vs. expense

2.72%Q2 ’132.62%Q2 ’142.55%Q2 ’15-1%-4%

Executive Summary

  • Earnings: ROA of 0.97%, up 6 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 11.46%.
  • Funding: loans stand at 85.35% of deposits as of Q2 2015.

Financial Results

Return on Assets (YTD, annualized)

0.97%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.64%+5 bps YoY

Efficiency Ratio (YTD, annualized)

63.42%-148 bps YoY

Tier 1 Leverage Ratio

11.46%

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets0.91%0.99%1.00%0.96%0.97%+6 bps
Return on Equity7.75%8.38%8.49%7.96%7.97%+22 bps
Net Interest Margin3.59%3.60%3.60%3.60%3.64%+5 bps
Efficiency Ratio64.91%62.43%61.55%63.17%63.42%-148 bps
Non-Interest Burden2.25%2.15%2.12%2.13%2.16%-9 bps
Growth
Asset Growth (YoY)5.44%3.85%2.31%2.40%-1.62%-705 bps
Loan Growth (YoY)11.71%6.92%5.91%2.49%-0.64%-1,235 bps
Deposit Growth (YoY)2.99%3.41%1.87%3.01%4.69%+170 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.05%-0.02%-2 bps
Allowance / Loans1.15%1.14%1.15%1.21%1.19%+4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/a11.28%11.46%n/a
Total Risk-Based Capital14.87%15.07%15.02%15.82%15.86%+99 bps
Equity / Assets11.79%11.90%11.75%12.41%12.43%+64 bps
Liquidity & Funding
Loans / Deposits89.93%91.43%83.56%83.83%85.35%-458 bps
Liquid Assets / Assets6.54%6.46%5.98%6.65%5.71%-83 bps
CRE / Total Capitaln/an/an/an/an/an/an/a