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Chetek State Bank

Chetek, WI · Cert 15861

FDIC

Q4 2000

$54.9MAssets
$40.9MLoans
$50.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.19%, down 16 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 81.77% of deposits as of Q4 2000.

Return on Assets (YTD, annualized)

1.19%-16 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 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets1.30%1.32%1.36%1.35%1.16%1.14%1.16%1.19%-16 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)-0.83%5.65%1.62%3.98%11.42%2.54%10.03%5.32%+134 bps
Loan Growth (YoY)2.10%0.96%3.61%9.63%14.80%15.43%8.79%6.15%-348 bps
Deposit Growth (YoY)-1.24%6.04%1.72%4.31%12.26%2.49%10.50%5.42%+111 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 / Deposits79.09%72.25%79.09%81.21%80.88%81.37%77.86%81.77%+56 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