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Community Bank Chaska

Chaska, MN · Cert 35370

FDIC · 3 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 Chaska

Chaska, MN · Cert 35370

FDIC · 3 branches

Q3 2015

$205.5MAssets
$128.2MLoans
$170.7MDeposits
$20.5MEquity
Loan mix
65%RE $54.8M34%C&I $28.4M1%Consumer $0.9MQ3 2014Q3 2015
Deposit mix
80%Interest-bearing $136.1M20%Noninterest $34.6MQ3 2014Q3 2015

NIM

3.89%Q3 ’133.56%Q3 ’143.50%Q3 ’15-7%-2%

Non-interest income vs. expense

3.39%Q3 ’132.87%Q3 ’142.41%Q3 ’15-10%-16%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2015 SOD (annual) · 0.1% share · #47 of 154 inst. · $0.2B of $171.1B

Executive Summary

  • Earnings: ROA of 1.10%, up 22 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.16%.
  • Capital: tier 1 leverage ratio of 9.83%.
  • Funding: loans stand at 75.12% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

1.10%+22 bps YoY

Net Interest Margin (YTD, annualized)

3.29%-7 bps YoY

Efficiency Ratio (YTD, annualized)

67.28%-985 bps YoY

Tier 1 Leverage Ratio

9.83%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.88%0.77%0.79%0.99%1.10%+22 bps
Return on Equity7.14%6.33%7.26%9.33%10.55%+340 bps
Net Interest Margin3.36%3.26%3.31%3.31%3.29%-7 bps
Efficiency Ratio77.13%79.07%72.02%68.81%67.28%-985 bps
Non-Interest Burden2.51%2.51%2.31%2.20%2.12%-39 bps
Growth
Asset Growth (YoY)22.78%14.56%22.10%14.30%12.47%-1,030 bps
Loan Growth (YoY)27.67%22.10%21.13%13.54%10.78%-1,690 bps
Deposit Growth (YoY)20.40%9.61%15.26%35.20%14.96%-545 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.02%0.38%0.25%0.16%+13 bps
Allowance / Loans1.78%1.79%1.78%1.72%1.67%-11 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a10.55%10.25%9.83%n/a
Total Risk-Based Capital17.42%16.07%15.54%15.71%15.01%-241 bps
Equity / Assets11.91%11.12%10.79%10.05%9.99%-192 bps
Liquidity & Funding
Loans / Deposits77.95%77.76%76.24%69.84%75.12%-283 bps
Liquid Assets / Assets10.35%10.01%9.34%9.06%8.06%-229 bps
CRE / Total Capitaln/an/an/an/an/an/an/a