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S&C Bank, Minnesota

Almelund, MN · Cert 57076

FDIC

Q4 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2001, the quarter ended December 31, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

S&C Bank, Minnesota

Almelund, MN · Cert 57076

FDIC

Q4 2001

$27.3MAssets
$11.1MLoans
$22.8MDeposits
$4.2MEquity
Deposit mix
85%Interest-bearing $19.3M15%Noninterest $3.5MQ4 2000Q4 2001

NIM

7.17%Q1 ’016.45%Q3 ’016.28%Q4 ’01-6%0%

Non-interest income vs. expense

4.44%Q1 ’014.16%Q3 ’013.95%Q4 ’01-4%-5%

Executive Summary

  • Earnings: ROA of 0.35%, up 29 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.19%.
  • Funding: loans stand at 48.65% of deposits as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

0.35%+29 bps YoY

Net Interest Margin (YTD, annualized)

3.55%

Efficiency Ratio (YTD, annualized)

90.20%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets0.06%0.18%0.53%10.29%10.35%+29 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a3.77%3.68%3.56%3.55%n/a
Efficiency Ration/a92.66%87.77%93.98%90.20%n/a
Non-Interest Burdenn/a3.42%3.12%3.29%3.12%n/a
Growth
Asset Growth (YoY)n/an/an/a-2.63%0.66%n/a
Loan Growth (YoY)n/an/an/a138.29%97.86%n/a
Deposit Growth (YoY)n/an/an/a-4.09%0.48%n/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.15%0.06%0.05%0.19%n/a
Allowance / Loansn/a1.33%0.87%0.87%0.93%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/a18.87%15.83%14.38%16.22%n/a
Equity / Assetsn/a16.32%16.24%15.47%15.44%n/a
Liquidity & Funding
Loans / Deposits24.70%38.16%60.08%58.00%48.65%+2,394 bps
Liquid Assets / Assets0.00%1.74%0.19%0.18%0.18%+18 bps
CRE / Total Capitaln/an/an/an/an/an/an/a