PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Associated Bank

Chicago, IL · Cert 19601

FDIC

Q4 1997

$347.6MAssets
$215.3MLoans
$283.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.10%, down 11 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 76.07% of deposits as of Q4 1997.

Return on Assets (YTD, annualized)

1.10%-11 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 Assets1.17%1.23%1.19%1.21%0.95%1.02%1.06%1.10%-11 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)5.55%2.33%13.64%8.67%10.98%21.14%12.09%14.44%+578 bps
Loan Growth (YoY)8.72%8.81%10.72%5.54%8.77%20.43%21.07%23.60%+1,806 bps
Deposit Growth (YoY)9.75%15.84%24.37%25.29%18.36%11.74%9.54%7.16%-1,813 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 / Deposits76.62%71.67%68.49%65.96%70.41%77.24%75.70%76.07%+1,011 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