PackageTrendsPeer
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Bank One Monroe

Monroe, WI · Cert 12320

FDIC

Q3 1996

$119.7MAssets
$82.9MLoans
$105.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.82%, up 25 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 78.80% of deposits as of Q3 1996.

Return on Assets (YTD, annualized)

0.82%+25 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996YoY ΔTrend
Earnings
Return on Assets0.57%0.99%0.88%0.56%0.77%0.66%0.70%0.82%+25 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/a-1.72%-2.33%-0.10%6.21%-0.03%-2.18%-3.40%-330 bps
Loan Growth (YoY)n/a4.44%4.25%4.04%-3.79%-7.17%-8.09%-8.33%-1,237 bps
Deposit Growth (YoY)n/a-1.93%-2.77%2.07%4.71%3.38%5.55%1.23%-84 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/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/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/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits79.82%85.25%89.38%87.03%73.34%76.55%77.83%78.80%-822 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a