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 ’017.53%Q2 ’017.47%Q3 ’01+5%+7%

Non-interest income vs. expense

2.46%Q1 ’012.42%Q2 ’012.14%Q3 ’01+0%-12%

Executive Summary

  • Earnings: ROA of 2.05%, up 78 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.25%.
  • Funding: loans stand at 73.44% of deposits as of Q3 2001.

Financial Results

Return on Assets (quarter, annualized)

2.05%+78 bps YoY

Net Interest Margin (quarter, annualized)

3.89%

Efficiency Ratio (quarter, annualized)

50.26%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.26%1.21%1.28%1.11%2.05%+78 bps
Return on Equityn/an/an/a13.48%23.55%n/a
Net Interest Marginn/an/a3.45%3.64%3.89%n/a
Efficiency Ration/an/a62.85%59.74%50.26%n/a
Non-Interest Burdenn/an/a2.00%2.01%1.77%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%-0.03%0.25%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