Southview Bank

South Saint Paul, MN · Cert 19021

FDIC

Q3 2001

$73.0MAssets

$53.4MLoans

$63.2MDeposits

$6.4MEquity

Loan mix

Deposit mix

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.

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.

Metric	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	YoY Δ	Trend
Earnings
Return on Assets	1.07%	0.53%	0.43%	0.52%	0.62%	0.48%	0.58%	0.64%	+13 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	4.92%	5.04%	5.09%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	81.25%	78.60%	77.44%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	3.87%	3.81%	3.78%	n/a
Growth
Asset Growth (YoY)	7.69%	6.91%	17.15%	16.51%	20.03%	16.35%	10.37%	10.74%	-577 bps
Loan Growth (YoY)	17.92%	16.28%	10.56%	18.67%	23.73%	30.54%	31.20%	34.13%	+1,545 bps
Deposit Growth (YoY)	7.83%	10.25%	23.02%	21.67%	23.61%	19.75%	10.48%	9.76%	-1,191 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	-0.03%	-0.01%	-0.02%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	0.94%	0.95%	0.93%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	9.38%	9.19%	8.76%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	9.28%	8.81%	8.70%	n/a
Liquidity & Funding
Loans / Deposits	76.84%	73.12%	66.81%	69.16%	76.91%	79.71%	79.34%	84.52%	+1,536 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.29%	0.27%	0.27%	+27 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a