PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citizens State Bank of St. James

Saint James, MN · Cert 14741

FDIC

Q2 2001

$61.4MAssets
$48.5MLoans
$53.1MDeposits
$4.9MEquity
Loan mix
68%RE $16.9M32%C&I $7.8M0%Consumer $0.1MQ2 2000Q2 2001
Deposit mix
93%Interest-bearing $49.4M7%Noninterest $3.7MQ2 2000Q2 2001

NIM

8.24%Q1 ’018.24%Q2 ’01+6%

Non-interest income vs. expense

2.38%Q1 ’012.25%Q2 ’01-7%

Executive Summary

  • Earnings: ROA of 2.21%, up 10 bps year over year; NIM at 4.19%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 91.17% of deposits as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

2.21%+10 bps YoY

Net Interest Margin (YTD, annualized)

4.19%

Efficiency Ratio (YTD, annualized)

47.81%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets2.12%2.16%2.13%1.72%2.21%+10 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.95%4.19%n/a
Efficiency Ration/an/an/a53.49%47.81%n/a
Non-Interest Burdenn/an/an/a1.88%1.74%n/a
Growth
Asset Growth (YoY)12.84%10.68%16.36%8.40%0.73%-1,211 bps
Loan Growth (YoY)8.12%13.59%15.28%15.49%11.09%+297 bps
Deposit Growth (YoY)10.92%9.10%17.17%7.52%7.85%-307 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.17%0.09%n/a
Allowance / Loansn/an/an/a0.93%0.94%n/a
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 Capitaln/an/an/a11.09%11.04%n/a
Equity / Assetsn/an/an/a8.18%7.98%n/a
Liquidity & Funding
Loans / Deposits88.52%89.65%83.49%90.34%91.17%+266 bps
Liquid Assets / Assets0.00%0.00%0.00%0.03%0.04%+4 bps
CRE / Total Capitaln/an/an/an/an/an/an/a