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Community Security Bank

New Prague, MN · Cert 34486

FDIC

Q2 2010

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 2010, the quarter ended June 30, 2010, 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 Security Bank

New Prague, MN · Cert 34486

FDIC

Q2 2010

$100.6MAssets
$74.1MLoans
$95.1MDeposits
$-400KEquity
Loan mix
81%RE $55.0M19%C&I $12.9M0%Consumer $0.1MQ2 2009Q2 2010
Deposit mix
92%Interest-bearing $87.9M8%Noninterest $7.2MQ2 2009Q2 2010

NIM

6.61%Q2 ’085.12%Q2 ’093.92%Q2 ’10-21%-22%

Non-interest income vs. expense

2.67%Q2 ’082.90%Q2 ’094.11%Q2 ’10-9%+144%

Executive Summary

  • Earnings: ROA of -13.71%, down 1,242 bps year over year; NIM at 2.12%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 6.35%.
  • Funding: loans stand at 77.92% of deposits as of Q2 2010.

Financial Results

Return on Assets (YTD, annualized)

-13.71%-1,242 bps YoY

Net Interest Margin (YTD, annualized)

2.12%-61 bps YoY

Efficiency Ratio (YTD, annualized)

172.66%+10,116 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q2 2010YoY ΔTrend
Earnings
Return on Assets-1.29%-1.78%-3.06%-17.26%-13.71%-1,242 bps
Return on Equity-15.47%-21.85%-39.44%-423%-511%-49,522 bps
Net Interest Margin2.73%2.31%2.15%2.02%2.12%-61 bps
Efficiency Ratio71.50%90.04%112.25%130.31%172.66%+10,116 bps
Non-Interest Burden1.57%1.98%2.55%2.78%3.84%+227 bps
Growth
Asset Growth (YoY)2.08%0.54%-5.85%-8.87%-17.23%-1,931 bps
Loan Growth (YoY)-1.49%-5.34%-17.59%-19.30%-27.21%-2,572 bps
Deposit Growth (YoY)2.77%2.14%-4.32%-4.28%-9.89%-1,265 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.23%1.26%6.57%2.36%6.35%+512 bps
Allowance / Loans3.71%4.57%2.65%5.55%6.27%+256 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital8.88%7.12%4.19%3.41%-0.69%-958 bps
Equity / Assets8.04%7.51%6.06%1.99%-0.40%-843 bps
Liquidity & Funding
Loans / Deposits96.46%93.75%86.10%83.62%77.92%-1,854 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a