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Community Bank

Nevada, IA · Cert 34249

FDIC · 2 branches

Q3 2018

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 2018, the quarter ended September 30, 2018, 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

Nevada, IA · Cert 34249

FDIC · 2 branches

Q3 2018

$214.8MAssets
$198.0MLoans
$172.1MDeposits
$23.9MEquity
Loan mix
89%RE $112.8M10%C&I $12.5M1%Consumer $1.3MQ3 2017Q3 2018
Deposit mix
91%Interest-bearing $157.2M9%Noninterest $14.8MQ3 2017Q3 2018

NIM

4.33%Q3 ’164.29%Q3 ’174.60%Q3 ’18-3%+1%

Non-interest income vs. expense

1.29%Q3 ’161.32%Q3 ’171.35%Q3 ’18-1%+5%

Market Position · Ames, IA · 2018 SOD (annual) · 5.4% share · #9 of 20 inst. · $0.1B of $2.5B

5.4% Story
8.3% Ida

Executive Summary

  • Earnings: ROA of 1.35%, down 4 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.39% of loans (+31 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.09%, up 87 bps from a year ago.
  • Funding: loans stand at 115.09% of deposits as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

1.35%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.46%+5 bps YoY

Efficiency Ratio (YTD, annualized)

38.49%+69 bps YoY

Tier 1 Leverage Ratio

11.09%+87 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets1.39%1.27%1.23%1.31%1.35%-4 bps
Return on Equity13.77%12.46%11.89%12.60%12.75%-102 bps
Net Interest Margin3.41%3.37%3.40%3.39%3.46%+5 bps
Efficiency Ratio37.80%37.84%40.58%39.15%38.49%+69 bps
Non-Interest Burden1.23%1.23%1.35%1.30%1.30%+6 bps
Growth
Asset Growth (YoY)7.25%4.23%8.01%5.68%2.45%-480 bps
Loan Growth (YoY)6.38%1.44%4.09%1.90%3.66%-272 bps
Deposit Growth (YoY)7.17%2.30%5.85%6.34%2.32%-485 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.03%0.08%0.48%0.39%+31 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.23%1.26%1.28%1.37%1.41%+18 bps
Allowance Coverage of NPLs15.5x46.9x16.4x2.9x3.6x-11.9x
Capital
Tier 1 Leverage Ratio10.22%10.23%10.70%10.62%11.09%+87 bps
Total Risk-Based Capital13.39%13.84%13.25%13.94%14.19%+81 bps
Equity / Assets10.15%10.44%10.18%10.67%11.13%+97 bps
Liquidity & Funding
Loans / Deposits113.59%113.19%111.61%110.76%115.09%+149 bps
Liquid Assets / Assets1.89%0.42%4.49%7.26%3.20%+131 bps
CRE / Total Capitaln/an/an/an/an/an/an/a