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Community Bank Plymouth

Plymouth, MN · Cert 57078

FDIC

Q1 2010

$56.2MAssets
$40.6MLoans
$43.4MDeposits
$8.2MEquity
Loan mix
79%RE $29.6M20%C&I $7.6M1%Consumer $0.3MQ1 2009Q1 2010
Deposit mix
85%Interest-bearing $36.7M15%Noninterest $6.7MQ1 2009Q1 2010

NIM

6.95%Q1 ’085.79%Q1 ’094.65%Q1 ’10-21%-12%

Non-interest income vs. expense

3.29%Q1 ’083.93%Q1 ’093.57%Q1 ’10+17%-37%

Executive Summary

  • Earnings: ROA of -1.61%, up 317 bps year over year; NIM at 2.72%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.65%.
  • Funding: loans stand at 93.55% of deposits as of Q1 2010.

Financial Results

Return on Assets (YTD, annualized)

-1.61%+317 bps YoY

Net Interest Margin (YTD, annualized)

2.72%-37 bps YoY

Efficiency Ratio (YTD, annualized)

81.79%-1,806 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets-4.78%-6.77%-5.46%-0.03%-1.61%+317 bps
Return on Equity-58.51%-89.95%-77.17%-0.32%-11.32%+4,719 bps
Net Interest Margin3.09%3.21%3.22%0.48%2.72%-37 bps
Efficiency Ratio99.85%98.73%105.17%61.78%81.79%-1,806 bps
Non-Interest Burden3.08%3.15%3.41%0.43%1.93%-115 bps
Growth
Asset Growth (YoY)4.00%-5.30%-13.13%-16.00%-16.16%-2,015 bps
Loan Growth (YoY)8.89%-4.98%-15.68%-29.17%-33.86%-4,276 bps
Deposit Growth (YoY)5.84%-1.85%-9.35%-22.36%-23.48%-2,931 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans4.14%6.36%6.21%2.53%2.65%-148 bps
Allowance / Loans2.31%3.13%2.80%0.13%0.35%-196 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 Capital9.14%7.58%7.30%11.22%11.72%+259 bps
Equity / Assets7.80%6.08%5.58%14.01%14.50%+670 bps
Liquidity & Funding
Loans / Deposits108.25%104.03%97.83%99.19%93.55%-1,469 bps
Liquid Assets / Assets0.15%0.16%0.16%0.17%0.18%+3 bps
CRE / Total Capitaln/an/an/an/an/an/an/a