PackageTrendsPeer
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Monycor Bank of Superior

Superior, WI · Cert 15015

FDIC

Q4 1999

$35.7MAssets
$24.3MLoans
$26.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.61%, up 27 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 91.09% of deposits as of Q4 1999.

Return on Assets (YTD, annualized)

1.61%+27 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 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets1.57%1.61%1.43%1.34%1.64%1.70%1.71%1.61%+27 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)6.90%2.71%4.89%3.61%-2.88%-1.20%-0.83%1.92%-169 bps
Loan Growth (YoY)6.27%0.67%3.65%3.55%-2.29%-1.20%-1.28%-2.36%-591 bps
Deposit Growth (YoY)-4.24%-5.54%-6.25%-2.01%7.38%6.05%1.99%-3.47%-146 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 / Deposits100.23%94.53%95.62%90.06%91.21%88.07%92.56%91.09%+103 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