PackageTrendsPeer
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Valley Bank Southwest

Spring Green, WI · Cert 15072

FDIC

Q1 1997

$326.6MAssets
$210.0MLoans
$271.4MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.38%, down 21 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 77.38% of deposits as of Q1 1997.

Return on Assets (YTD, annualized)

1.38%-21 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.

MetricQ2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets1.44%1.42%1.42%1.59%1.46%1.44%1.38%1.38%-21 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)32.35%15.01%19.78%26.08%18.87%0.30%0.14%-1.58%-2,767 bps
Loan Growth (YoY)39.21%18.62%19.09%12.65%9.49%-6.34%-6.24%-0.33%-1,297 bps
Deposit Growth (YoY)25.53%15.64%18.74%29.76%23.98%4.35%2.35%-4.53%-3,429 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 / Deposits88.82%86.68%83.07%74.11%78.43%77.80%76.09%77.38%+327 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