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Southview Bank

South Saint Paul, MN · Cert 19021

FDIC

Q3 2001

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: Q3 2001, the quarter ended September 30, 2001, 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

Southview Bank

South Saint Paul, MN · Cert 19021

FDIC

Q3 2001

$73.0MAssets
$53.4MLoans
$63.2MDeposits
$6.4MEquity
Loan mix
47%RE $13.5M52%C&I $15.0M1%Consumer $0.2MQ3 2000Q3 2001
Deposit mix
79%Interest-bearing $50.1M21%Noninterest $13.1MQ3 2000Q3 2001

NIM

8.25%Q1 ’018.23%Q2 ’018.08%Q3 ’01+3%+1%

Non-interest income vs. expense

4.51%Q1 ’014.52%Q2 ’014.50%Q3 ’01-2%-1%

Executive Summary

  • Earnings: ROA of 0.64%, up 13 bps year over year; NIM at 5.09%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Funding: loans stand at 84.52% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

0.64%+13 bps YoY

Net Interest Margin (YTD, annualized)

5.09%

Efficiency Ratio (YTD, annualized)

77.44%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets0.52%0.62%0.48%0.58%0.64%+13 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a4.92%5.04%5.09%n/a
Efficiency Ration/an/a81.25%78.60%77.44%n/a
Non-Interest Burdenn/an/a3.87%3.81%3.78%n/a
Growth
Asset Growth (YoY)16.51%20.03%16.35%10.37%10.74%-577 bps
Loan Growth (YoY)18.67%23.73%30.54%31.20%34.13%+1,545 bps
Deposit Growth (YoY)21.67%23.61%19.75%10.48%9.76%-1,191 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a-0.03%-0.01%-0.02%n/a
Allowance / Loansn/an/a0.94%0.95%0.93%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/a9.38%9.19%8.76%n/a
Equity / Assetsn/an/a9.28%8.81%8.70%n/a
Liquidity & Funding
Loans / Deposits69.16%76.91%79.71%79.34%84.52%+1,536 bps
Liquid Assets / Assets0.00%0.00%0.29%0.27%0.27%+27 bps
CRE / Total Capitaln/an/an/an/an/an/an/a