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Belleville State Bank

Belleville, WI · Cert 15089

FDIC

Q3 1997

$41.2MAssets
$28.6MLoans
$34.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of -0.01%, down 117 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 82.95% of deposits as of Q3 1997.

Return on Assets (YTD, annualized)

-0.01%-117 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 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997YoY ΔTrend
Earnings
Return on Assets1.19%1.13%1.10%1.16%1.19%1.27%-0.65%-0.01%-117 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)2.23%7.76%6.07%3.19%3.95%-4.59%-0.02%3.38%+20 bps
Loan Growth (YoY)-3.47%-0.92%-8.70%-9.50%-1.55%-4.14%6.17%11.73%+2,123 bps
Deposit Growth (YoY)0.63%6.86%5.63%2.51%3.13%-6.05%-2.83%-3.25%-577 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 / Deposits78.38%76.33%71.26%71.82%74.82%77.88%77.86%82.95%+1,112 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