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Brickwell Community Bank

Woodbury, MN · Cert 57736

FDIC

Q2 2009

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 2009, the quarter ended June 30, 2009, 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

Brickwell Community Bank

Woodbury, MN · Cert 57736

FDIC

Q2 2009

$72.6MAssets
$63.6MLoans
$65.0MDeposits
$-744KEquity
Loan mix
77%RE $48.3M23%C&I $14.4M0%Consumer $0.0MQ2 2008Q2 2009
Deposit mix
95%Interest-bearing $61.6M5%Noninterest $3.4MQ2 2008Q2 2009

NIM

8.28%Q2 ’076.61%Q2 ’085.17%Q2 ’09-29%-44%

Non-interest income vs. expense

4.80%Q2 ’073.57%Q2 ’084.98%Q2 ’09-23%+39%

Executive Summary

  • Earnings: ROA of -10.67%, down 683 bps year over year; NIM at 1.85%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 13.92%.
  • Funding: loans stand at 97.85% of deposits as of Q2 2009.

Financial Results

Return on Assets (YTD, annualized)

-10.67%-683 bps YoY

Net Interest Margin (YTD, annualized)

1.85%-145 bps YoY

Efficiency Ratio (YTD, annualized)

256%+14,921 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets-3.85%-3.43%-4.67%-6.43%-10.67%-683 bps
Return on Equity-35.04%-33.31%-49.64%-118.29%-308%-27,277 bps
Net Interest Margin3.30%3.20%2.93%2.03%1.85%-145 bps
Efficiency Ratio106.59%110.12%121.86%194.69%256%+14,921 bps
Non-Interest Burden3.52%3.53%3.58%4.01%4.88%+137 bps
Growth
Asset Growth (YoY)21.49%5.28%14.81%6.14%-7.57%-2,906 bps
Loan Growth (YoY)32.79%20.10%14.84%-1.87%-16.40%-4,919 bps
Deposit Growth (YoY)10.73%-5.42%13.99%19.80%12.87%+214 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.16%0.72%0.61%0.58%13.92%+1,376 bps
Allowance / Loans3.23%3.51%5.87%7.98%4.91%+167 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 Capital9.65%8.70%5.94%3.83%-2.35%-1,201 bps
Equity / Assets9.37%8.38%6.16%4.70%-1.03%-1,040 bps
Liquidity & Funding
Loans / Deposits132.11%122.51%105.51%104.07%97.85%-3,426 bps
Liquid Assets / Assets0.08%4.39%3.97%9.18%7.58%+750 bps
CRE / Total Capitaln/an/an/an/an/an/an/a