PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Town & Country State Bank of Winona

Winona, MN · Cert 20412

FDIC

Q3 2001

$91.8MAssets
$60.6MLoans
$82.6MDeposits
$8.3MEquity
Loan mix
40%RE $11.5M60%C&I $17.4M0%Consumer $0.1MQ3 2000Q3 2001
Deposit mix
91%Interest-bearing $74.9M9%Noninterest $7.7MQ3 2000Q3 2001

NIM

7.63%Q1 ’017.55%Q2 ’017.52%Q3 ’01+2%+3%

Non-interest income vs. expense

2.46%Q1 ’012.43%Q2 ’012.33%Q3 ’010%-4%

Executive Summary

  • Earnings: ROA of 1.48%, up 21 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Funding: loans stand at 73.44% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

1.48%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.65%

Efficiency Ratio (YTD, annualized)

57.42%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.26%1.21%1.28%1.19%1.48%+21 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a3.45%3.53%3.65%n/a
Efficiency Ration/an/a62.85%61.26%57.42%n/a
Non-Interest Burdenn/an/a2.00%2.00%1.92%n/a
Growth
Asset Growth (YoY)4.89%6.91%7.66%2.62%4.18%-72 bps
Loan Growth (YoY)6.21%8.32%8.97%6.75%5.30%-91 bps
Deposit Growth (YoY)4.70%5.97%6.84%1.33%2.46%-224 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.07%0.02%0.10%n/a
Allowance / Loansn/an/a1.15%1.23%1.33%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/a11.77%11.83%12.81%n/a
Equity / Assetsn/an/a8.05%8.36%9.01%n/a
Liquidity & Funding
Loans / Deposits71.46%70.62%73.24%76.72%73.44%+198 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a