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Community Bank, Austin

Austin, MN · Cert 57801

FDIC

Q2 2012

$39.4MAssets
$30.6MLoans
$35.0MDeposits
$4.4MEquity
Loan mix
74%RE $19.2M22%C&I $5.7M4%Consumer $0.9MQ2 2011Q2 2012
Deposit mix
86%Interest-bearing $30.1M14%Noninterest $4.9MQ2 2011Q2 2012

NIM

4.81%Q2 ’104.54%Q2 ’114.98%Q2 ’12+1%+13%

Non-interest income vs. expense

4.48%Q2 ’104.35%Q2 ’114.11%Q2 ’12+5%-7%

Executive Summary

  • Earnings: ROA of 0.68%, up 65 bps year over year; NIM at 4.57%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.40%.
  • Funding: loans stand at 87.62% of deposits as of Q2 2012.

Financial Results

Return on Assets (quarter, annualized)

0.68%+65 bps YoY

Net Interest Margin (quarter, annualized)

4.57%+54 bps YoY

Efficiency Ratio (quarter, annualized)

77.19%-1,417 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets0.03%0.83%14.13%0.27%0.68%+65 bps
Return on Equity0.50%11.04%146.15%2.44%6.20%+571 bps
Net Interest Margin4.03%4.71%4.79%4.25%4.57%+54 bps
Efficiency Ratio91.37%78.13%102.09%88.37%77.19%-1,417 bps
Non-Interest Burden3.62%3.47%4.88%3.68%3.36%-26 bps
Growth
Asset Growth (YoY)-7.82%0.03%10.00%11.23%13.03%+2,086 bps
Loan Growth (YoY)1.47%8.17%20.86%27.93%25.20%+2,373 bps
Deposit Growth (YoY)-7.06%-0.06%0.90%6.46%8.33%+1,539 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.42%0.39%0.63%0.25%0.40%-2 bps
Allowance / Loans1.80%1.61%1.45%1.50%1.38%-42 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 Capital10.52%11.46%11.46%11.70%11.64%+112 bps
Equity / Assets6.94%8.08%11.19%11.01%11.05%+411 bps
Liquidity & Funding
Loans / Deposits75.81%83.86%90.97%83.42%87.62%+1,181 bps
Liquid Assets / Assets0.38%0.38%0.23%0.79%0.36%-3 bps
CRE / Total Capitaln/an/an/an/an/an/an/a