PackageTrendsPeer
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Community Bank

Alma, NE · Cert 34139

FDIC · 2 branches

Q3 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: Q3 2015, the quarter ended September 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 Bank

Alma, NE · Cert 34139

FDIC · 2 branches

Q3 2015

$55.1MAssets
$30.5MLoans
$32.8MDeposits
$6.0MEquity
Loan mix
72%RE $13.6M19%C&I $3.6M9%Consumer $1.7MQ3 2014Q3 2015
Deposit mix
82%Interest-bearing $26.9M18%Noninterest $6.0MQ3 2014Q3 2015

NIM

3.71%Q3 ’133.89%Q3 ’143.80%Q3 ’15+8%0%

Non-interest income vs. expense

2.37%Q3 ’132.39%Q3 ’141.99%Q3 ’15+1%-18%

Executive Summary

  • Earnings: ROA of 1.82%, up 45 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.95%.
  • Funding: loans stand at 92.81% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

1.82%+45 bps YoY

Net Interest Margin (YTD, annualized)

3.30%-1 bps YoY

Efficiency Ratio (YTD, annualized)

54.80%-1,017 bps YoY

Tier 1 Leverage Ratio

10.95%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets1.36%1.43%1.65%1.79%1.82%+45 bps
Return on Equity12.84%13.47%15.05%16.33%16.66%+383 bps
Net Interest Margin3.31%3.31%3.34%3.35%3.30%-1 bps
Efficiency Ratio64.97%63.51%58.12%56.22%54.80%-1,017 bps
Non-Interest Burden2.02%1.96%1.77%1.72%1.66%-36 bps
Growth
Asset Growth (YoY)-4.50%3.09%-1.93%4.17%12.26%+1,676 bps
Loan Growth (YoY)1.88%10.97%6.96%6.12%10.72%+884 bps
Deposit Growth (YoY)3.13%4.76%-10.26%-14.30%-9.59%-1,271 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%0.21%-0.05%-0.01%-0.01%+1 bps
Allowance / Loans1.91%1.72%1.87%1.69%1.54%-37 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a11.24%11.22%10.95%n/a
Total Risk-Based Capital15.88%14.99%16.34%16.13%15.38%-50 bps
Equity / Assets11.14%10.41%11.59%10.84%10.83%-31 bps
Liquidity & Funding
Loans / Deposits75.79%71.62%75.24%88.39%92.81%+1,702 bps
Liquid Assets / Assets10.34%11.77%11.36%8.85%9.44%-90 bps
CRE / Total Capitaln/an/an/an/an/an/an/a