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Letter portraitLegal landscapeQuarterYTD

Community Guaranty Savings Bank

Plymouth, NH · Cert 27252

FDIC · 2 branches

Q1 2016

$109.1MAssets
$66.5MLoans
$96.6MDeposits
$9.8MEquity
Loan mix
92%RE $57.1M6%C&I $3.4M2%Consumer $1.3MQ1 2015Q1 2016
Deposit mix
88%Interest-bearing $84.8M12%Noninterest $11.9MQ1 2015Q1 2016

NIM

3.67%Q1 ’143.58%Q1 ’153.48%Q1 ’160%0%

Non-interest income vs. expense

3.33%Q1 ’143.42%Q1 ’153.35%Q1 ’16+2%+1%

Executive Summary

  • Earnings: ROA of 0.29%, up 6 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.19%.
  • Capital: tier 1 leverage ratio of 8.58%, down 26 bps from a year ago.
  • Funding: loans stand at 68.83% of deposits as of Q1 2016.

Financial Results

Return on Assets (YTD, annualized)

0.29%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.15%0 bps YoY

Efficiency Ratio (YTD, annualized)

91.57%+88 bps YoY

Tier 1 Leverage Ratio

8.58%-26 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets0.23%0.28%0.30%0.31%0.29%+6 bps
Return on Equity2.56%3.15%3.43%3.56%3.34%+79 bps
Net Interest Margin3.15%3.15%3.09%3.07%3.15%0 bps
Efficiency Ratio90.69%88.97%88.31%87.81%91.57%+88 bps
Non-Interest Burden2.79%2.73%2.65%2.62%2.84%+4 bps
Growth
Asset Growth (YoY)1.96%5.56%5.33%3.44%-0.26%-222 bps
Loan Growth (YoY)0.66%3.10%3.36%0.45%-1.82%-248 bps
Deposit Growth (YoY)3.45%7.13%5.48%5.84%0.23%-322 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%0.40%0.28%0.21%0.19%+21 bps
Allowance / Loans1.09%0.94%0.97%1.05%1.02%-7 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.84%8.84%8.65%8.49%8.58%-26 bps
Total Risk-Based Capital14.18%14.01%14.46%14.67%14.41%+23 bps
Equity / Assets9.08%8.66%8.71%8.67%8.97%-11 bps
Liquidity & Funding
Loans / Deposits70.27%68.48%67.43%67.34%68.83%-144 bps
Liquid Assets / Assets0.11%0.11%0.11%0.11%0.11%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a