PackageTrendsPeer
Letter portraitLegal landscape

Atwater State Bank

Atwater, MN · Cert 1396

FDIC

Q4 2012

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: Q4 2012, the quarter ended December 31, 2012, 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

Atwater State Bank

Atwater, MN · Cert 1396

FDIC

Q4 2012

$45.1MAssets
$31.7MLoans
$39.9MDeposits
$4.0MEquity
Loan mix
69%RE $17.9M25%C&I $6.3M6%Consumer $1.6MQ4 2011Q4 2012
Deposit mix
80%Interest-bearing $32.1M20%Noninterest $7.8MQ4 2011Q4 2012

NIM

4.88%Q4 ’104.63%Q4 ’114.02%Q4 ’12+4%-10%

Non-interest income vs. expense

3.11%Q4 ’103.08%Q4 ’112.89%Q4 ’12+4%-9%

Executive Summary

  • Earnings: ROA of 0.67%, down 10 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 0.19%.
  • Funding: loans stand at 79.42% of deposits as of Q4 2012.

Financial Results

Return on Assets (YTD, annualized)

0.67%-10 bps YoY

Net Interest Margin (YTD, annualized)

3.29%-36 bps YoY

Efficiency Ratio (YTD, annualized)

82.15%+158 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets0.77%0.69%0.73%0.77%0.67%-10 bps
Return on Equity8.72%7.76%8.09%8.57%7.43%-129 bps
Net Interest Margin3.65%3.47%3.49%3.48%3.29%-36 bps
Efficiency Ratio80.57%81.36%80.67%79.60%82.15%+158 bps
Non-Interest Burden2.91%2.78%2.77%2.72%2.66%-25 bps
Growth
Asset Growth (YoY)7.72%8.30%0.94%5.35%6.69%-103 bps
Loan Growth (YoY)2.37%1.06%4.06%5.18%7.00%+464 bps
Deposit Growth (YoY)10.91%8.45%0.24%5.38%5.82%-509 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.37%-0.03%0.04%0.02%0.19%-18 bps
Allowance / Loans1.50%1.55%1.46%1.43%1.22%-29 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 Capital14.71%15.63%15.51%15.40%14.87%+16 bps
Equity / Assets8.93%8.92%9.18%9.11%8.79%-13 bps
Liquidity & Funding
Loans / Deposits78.55%74.89%78.60%79.17%79.42%+88 bps
Liquid Assets / Assets15.47%14.70%12.79%12.98%13.39%-208 bps
CRE / Total Capitaln/an/an/an/an/an/an/a