PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cook County State Bank

Grand Marais, MN · Cert 33941

FDIC

Q1 2001

$13.7MAssets
$10.4MLoans
$10.0MDeposits
$2.8MEquity
Loan mix
71%RE $4.7M29%C&I $1.9M0%Consumer $0.0MQ1 2000Q1 2001
Deposit mix
84%Interest-bearing $8.5M16%Noninterest $1.6MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 1.08%, up 86 bps year over year; NIM at 4.57%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 104.12% of deposits as of Q1 2001.

Financial Results

Return on Assets (YTD, annualized)

1.08%+86 bps YoY

Net Interest Margin (YTD, annualized)

4.57%

Efficiency Ratio (YTD, annualized)

76.16%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.22%-0.34%-0.16%0.09%1.08%+86 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.57%n/an/a
Efficiency Ration/an/an/an/a76.16%n/an/a
Non-Interest Burdenn/an/an/an/a3.42%n/an/a
Growth
Asset Growth (YoY)19.02%18.81%14.37%9.13%4.55%-1,447 bps
Loan Growth (YoY)35.92%37.73%43.09%26.07%28.46%-746 bps
Deposit Growth (YoY)24.22%16.07%10.39%3.17%0.62%-2,360 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.00%n/an/a
Allowance / Loansn/an/an/an/a2.13%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/a29.34%n/an/a
Equity / Assetsn/an/an/an/a20.07%n/an/a
Liquidity & Funding
Loans / Deposits81.56%90.44%85.57%95.03%104.12%+2,256 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