PackageTrendsPeer
Letter portraitLegal landscape

Citizens Bank of Delavan

Delavan, WI · Cert 15180

FDIC

Q2 1997

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 1997, the quarter ended June 30, 1997, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Citizens Bank of Delavan

Delavan, WI · Cert 15180

FDIC

Q2 1997

$103.6MAssets
$56.3MLoans
$72.6MDeposits
n/aEquity

NIM

NIM decomposition not available for this institution

Non-interest income vs. expense

Non-interest trend not available for this institution

Executive Summary

  • Earnings: ROA of 0.34%, down 88 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 77.59% of deposits as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

0.34%-88 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q3 1996Q4 1996Q1 1997Q2 1997YoY ΔTrend
Earnings
Return on Assets1.22%0.43%0.65%0.74%0.34%-88 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)18.95%-6.57%-10.34%-13.96%-10.42%-2,936 bps
Loan Growth (YoY)13.03%-6.63%-10.02%-14.12%-18.43%-3,147 bps
Deposit Growth (YoY)12.38%-8.49%-8.03%-9.99%-6.07%-1,844 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/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/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits89.35%89.68%84.85%79.77%77.59%-1,176 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a