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Letter portraitLegal landscapeQuarterYTD

Resource Trust Company

Minneapolis, MN · Cert 24055

FDIC

Q1 2001

$98.6MAssets
$61.8MLoans
$85.3MDeposits
$11.9MEquity
Loan mix
34%RE $13.8M63%C&I $25.3M3%Consumer $1.1MQ2 1999Q1 2001
Deposit mix
87%Interest-bearing $73.8M13%Noninterest $11.5MQ2 1999Q1 2001

Executive Summary

  • Earnings: ROA of 1.60%, down 23 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 72.45% of deposits as of Q1 2001.

Return on Assets (quarter, annualized)

1.60%-23 bps YoY

Net Interest Margin (quarter, annualized)

3.74%
n/a

Efficiency Ratio (quarter, annualized)

79.04%
n/a

Tier 1 Leverage Ratio

n/a
n/a

NIM

Non-interest income vs. expense

Discrete quarter, annualized.

MetricQ2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets1.39%1.66%1.73%1.84%1.97%1.94%2.23%1.60%-23 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a3.74%n/an/a
Efficiency Ration/an/an/an/an/an/an/a79.04%n/an/a
Non-Interest Burdenn/an/an/an/an/an/an/a1.10%n/an/a
Growth
Asset Growth (YoY)-0.12%8.32%-5.72%11.00%30.24%7.91%5.90%-6.40%-1,740 bps
Loan Growth (YoY)9.01%9.29%6.02%-5.94%14.73%-1.95%5.98%7.19%+1,312 bps
Deposit Growth (YoY)0.12%8.91%-7.54%10.72%32.18%7.47%5.28%-9.25%-1,997 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a0.01%n/an/a
Allowance / Loansn/an/an/an/an/an/an/a1.36%n/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/a16.53%n/an/a
Equity / Assetsn/an/an/an/an/an/an/a12.06%n/an/a
Liquidity & Funding
Loans / Deposits78.57%69.08%65.12%61.34%68.20%63.02%65.56%72.45%+1,111 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%1.32%+132 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a