Winona, MN · Cert 20412
FDIC
Q3 2001
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Winona, MN · Cert 20412
FDIC
Q3 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
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 | 1.16% | 1.17% | 1.19% | 1.26% | 1.21% | 1.28% | 1.19% | 1.48% | +21 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 | 3.45% | 3.53% | 3.65% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 62.85% | 61.26% | 57.42% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | 2.00% | 2.00% | 1.92% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.52% | 2.77% | 3.83% | 4.89% | 6.91% | 7.66% | 2.62% | 4.18% | -72 bps | |
| Loan Growth (YoY) | 14.51% | 13.14% | 13.03% | 6.21% | 8.32% | 8.97% | 6.75% | 5.30% | -91 bps | |
| Deposit Growth (YoY) | 2.58% | 2.74% | 3.60% | 4.70% | 5.97% | 6.84% | 1.33% | 2.46% | -224 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 | 0.07% | 0.02% | 0.10% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 1.15% | 1.23% | 1.33% | 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 | 11.77% | 11.83% | 12.81% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 8.05% | 8.36% | 9.01% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.09% | 71.81% | 72.82% | 71.46% | 70.62% | 73.24% | 76.72% | 73.44% | +198 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |