PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

S&C Bank, Chippewa

Stanley, WI · Cert 1518

FDIC

Q2 2001

$79.3MAssets
$57.9MLoans
$67.9MDeposits
$6.8MEquity
Loan mix
90%RE $33.2M9%C&I $3.4M1%Consumer $0.2MQ2 2000Q2 2001
Deposit mix
91%Interest-bearing $62.1M9%Noninterest $5.8MQ2 2000Q2 2001

NIM

7.63%Q1 ’017.44%Q2 ’010%

Non-interest income vs. expense

2.84%Q1 ’012.82%Q2 ’01-3%

Executive Summary

  • Earnings: ROA of 0.54%, down 24 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 85.30% of deposits as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

0.54%-24 bps YoY

Net Interest Margin (YTD, annualized)

3.12%

Efficiency Ratio (YTD, annualized)

78.06%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets0.78%0.78%0.81%0.51%0.54%-24 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.12%3.12%n/a
Efficiency Ration/an/an/a79.47%78.06%n/a
Non-Interest Burdenn/an/an/a2.39%2.33%n/a
Growth
Asset Growth (YoY)15.54%10.32%8.54%5.69%7.38%-816 bps
Loan Growth (YoY)20.58%19.41%14.52%11.12%2.30%-1,828 bps
Deposit Growth (YoY)15.23%11.56%9.77%11.11%13.49%-175 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.01%0.00%n/a
Allowance / Loansn/an/an/a1.87%1.97%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/a14.63%13.06%n/a
Equity / Assetsn/an/an/a8.60%8.56%n/a
Liquidity & Funding
Loans / Deposits94.62%98.10%94.57%91.29%85.30%-932 bps
Liquid Assets / Assets0.00%0.00%0.00%0.01%1.20%+120 bps
CRE / Total Capitaln/an/an/an/an/an/an/a