PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Evergreen State Bank

Poysippi, WI · Cert 13241

FDIC

Q4 1998

$105.6MAssets
$70.5MLoans
$94.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.04%, down 99 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 74.95% of deposits as of Q4 1998.

Return on Assets (YTD, annualized)

0.04%-99 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.

MetricQ1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets1.39%1.28%1.23%1.03%1.10%-14.52%-10.41%0.04%-99 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)38.83%45.05%45.99%54.07%55.78%17.45%2.51%-4.19%-5,826 bps
Loan Growth (YoY)40.36%43.96%48.25%51.83%54.62%24.10%-0.60%-19.09%-7,092 bps
Deposit Growth (YoY)37.49%47.72%46.88%54.78%59.52%26.24%5.44%-7.28%-6,206 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 / Deposits90.83%88.58%88.35%85.89%88.04%87.08%83.29%74.95%-1,094 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