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Buffalo Ridge State Bank of Ruthton, Incorporated

Ruthton, MN · Cert 9345

FDIC

Q1 2001

$11.6MAssets
$7.1MLoans
$10.5MDeposits
$1.1MEquity
Deposit mix
84%Interest-bearing $8.8M16%Noninterest $1.6MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 1.64%, down 1 bps year over year; NIM at 4.48%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.06%.
  • Funding: loans stand at 68.17% of deposits as of Q1 2001.

Financial Results

Return on Assets (YTD, annualized)

1.64%-1 bps YoY

Net Interest Margin (YTD, annualized)

4.48%

Efficiency Ratio (YTD, annualized)

61.81%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets1.65%1.55%1.53%1.13%1.64%-1 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.48%n/an/a
Efficiency Ration/an/an/an/a61.81%n/an/a
Non-Interest Burdenn/an/an/an/a2.66%n/an/a
Growth
Asset Growth (YoY)-1.09%-5.02%1.58%2.27%2.68%+378 bps
Loan Growth (YoY)10.93%5.24%7.73%18.08%18.88%+795 bps
Deposit Growth (YoY)-0.73%-5.37%1.42%0.41%1.79%+252 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-0.06%n/an/a
Allowance / Loansn/an/an/an/a1.02%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/a14.12%n/an/a
Equity / Assetsn/an/an/an/a9.27%n/an/a
Liquidity & Funding
Loans / Deposits58.37%63.48%63.13%67.99%68.17%+980 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%7.15%+715 bps
CRE / Total Capitaln/an/an/an/an/an/an/a