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Minnwest Bank South

Slayton, MN · Cert 8861

FDIC

Q1 2001

$94.3MAssets
$76.8MLoans
$82.4MDeposits
$7.7MEquity
Loan mix
74%RE $28.2M26%C&I $10.0M0%Consumer $0.1MQ2 1999Q1 2001
Deposit mix
93%Interest-bearing $76.5M7%Noninterest $5.9MQ2 1999Q1 2001

Executive Summary

  • Earnings: ROA of 1.21%, down 6 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 93.23% of deposits as of Q1 2001.

Return on Assets (quarter, annualized)

1.21%-6 bps YoY

Net Interest Margin (quarter, annualized)

4.07%
n/a

Efficiency Ratio (quarter, annualized)

54.35%
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 Assets1.15%1.20%1.26%1.26%1.18%1.25%1.21%1.21%-6 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a4.07%n/an/a
Efficiency Ration/an/an/an/an/an/an/a54.35%n/an/a
Non-Interest Burdenn/an/an/an/an/an/an/a1.88%n/an/a
Growth
Asset Growth (YoY)16.26%16.16%5.49%10.42%7.23%4.37%7.58%5.28%-514 bps
Loan Growth (YoY)23.19%26.97%21.02%17.74%6.58%5.12%5.60%8.06%-967 bps
Deposit Growth (YoY)10.69%10.14%3.39%9.67%6.87%5.31%6.33%2.65%-702 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/a1.63%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/a11.07%n/an/a
Equity / Assetsn/an/an/an/an/an/an/a8.15%n/an/a
Liquidity & Funding
Loans / Deposits92.86%94.24%86.42%88.56%92.61%94.06%85.83%93.23%+467 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.29%+29 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a