PackageTrendsPeer
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Associated Bank Madison

Madison, WI · Cert 1515

FDIC

Q4 1997

$177.4MAssets
$126.1MLoans
$145.7MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.86%, unchanged from a year ago.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 86.57% of deposits as of Q4 1997.

Return on Assets (YTD, annualized)

0.86%0 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 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets0.83%0.83%0.83%0.86%0.76%0.79%0.82%0.86%0 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)7.13%10.01%5.17%4.69%7.39%2.84%2.78%8.90%+420 bps
Loan Growth (YoY)16.16%19.89%11.86%6.65%8.74%2.37%5.08%4.55%-210 bps
Deposit Growth (YoY)8.75%2.46%-0.20%-0.83%-0.82%5.88%5.91%10.14%+1,097 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 / Deposits86.31%92.42%95.84%91.19%94.63%89.35%95.09%86.57%-463 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