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Kulm State Bank

Kulm, ND · Cert 2054

FDIC

Q1 2001

$13.4MAssets
$4.4MLoans
$11.8MDeposits
$1.5MEquity
Deposit mix
81%Interest-bearing $9.6M19%Noninterest $2.2MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 0.91%, up 127 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.18%.
  • Funding: loans stand at 37.18% of deposits as of Q1 2001.

Financial Results

Return on Assets (YTD, annualized)

0.91%+127 bps YoY

Net Interest Margin (YTD, annualized)

4.04%

Efficiency Ratio (YTD, annualized)

68.35%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets-0.36%0.59%0.77%0.72%0.91%+127 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.04%n/an/a
Efficiency Ration/an/an/an/a68.35%n/an/a
Non-Interest Burdenn/an/an/an/a2.72%n/an/a
Growth
Asset Growth (YoY)2.85%0.75%-1.00%0.17%-0.10%-296 bps
Loan Growth (YoY)12.34%11.30%11.75%10.78%12.81%+47 bps
Deposit Growth (YoY)3.88%1.02%-1.21%-0.32%-1.19%-507 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a-0.18%n/an/a
Allowance / Loansn/an/an/an/a3.21%n/an/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/an/an/a23.23%n/an/a
Equity / Assetsn/an/an/an/a10.93%n/an/a
Liquidity & Funding
Loans / Deposits32.57%40.19%42.58%39.43%37.18%+461 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%31.69%+3,169 bps
CRE / Total Capitaln/an/an/an/an/an/an/a