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Community Pride Bank

Ham Lake, MN · Cert 35524

FDIC · 2 branches

Q1 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: Q1 2018, the quarter ended March 31, 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 Pride Bank

Ham Lake, MN · Cert 35524

FDIC · 2 branches

Q1 2018

$118.2MAssets
$84.3MLoans
$104.0MDeposits
$13.1MEquity
Loan mix
76%RE $55.0M22%C&I $16.2M2%Consumer $1.1MQ1 2017Q1 2018
Deposit mix
80%Interest-bearing $83.6M20%Noninterest $20.4MQ1 2017Q1 2018

NIM

4.33%Q1 ’164.04%Q1 ’174.19%Q1 ’18-9%+1%

Non-interest income vs. expense

2.86%Q1 ’162.48%Q1 ’172.84%Q1 ’18-14%+18%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2017 SOD (annual) · 0.1% share · #81 of 153 inst. · $0.1B of $189.3B

2.0% Anoka
3.7% Isanti

Executive Summary

  • Earnings: ROA of 0.72%, down 64 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 0.22% of loans (+18 bps YoY), with net recoveries of 0.71%.
  • Capital: tier 1 leverage ratio of 11.13%, up 40 bps from a year ago.
  • Funding: loans stand at 81.05% of deposits as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

0.72%-64 bps YoY

Net Interest Margin (YTD, annualized)

3.77%+3 bps YoY

Efficiency Ratio (YTD, annualized)

67.32%+930 bps YoY

Tier 1 Leverage Ratio

11.13%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets1.37%1.40%1.32%1.23%0.72%-64 bps
Return on Equity11.95%12.13%11.41%10.67%6.44%-551 bps
Net Interest Margin3.74%3.83%3.66%3.65%3.77%+3 bps
Efficiency Ratio58.01%57.77%59.88%62.37%67.32%+930 bps
Non-Interest Burden2.17%2.21%2.21%2.30%2.57%+40 bps
Growth
Asset Growth (YoY)5.60%11.48%9.54%4.58%9.55%+395 bps
Loan Growth (YoY)5.72%11.26%5.66%0.97%0.79%-494 bps
Deposit Growth (YoY)9.06%13.24%10.46%4.36%10.29%+123 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.04%0.26%0.22%0.22%+18 bps
Net Charge-Offs / Loans-0.06%-0.07%-0.10%0.07%-0.71%-65 bps
Allowance / Loans1.32%1.39%1.47%1.34%1.55%+24 bps
Allowance Coverage of NPLs30.6x33.2x5.7x6.0x7.0x-23.6x
Capital
Tier 1 Leverage Ratio10.73%11.17%11.02%10.83%11.13%+40 bps
Total Risk-Based Capital15.28%15.58%15.76%15.40%15.50%+22 bps
Equity / Assets11.65%11.85%11.43%11.35%11.05%-60 bps
Liquidity & Funding
Loans / Deposits88.69%87.38%80.73%83.14%81.05%-764 bps
Liquid Assets / Assets4.72%7.07%9.62%6.09%9.37%+465 bps
CRE / Total Capitaln/an/an/an/an/an/an/a