PackageTrendsPeer
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Valley Bank Northeast

Green Bay, WI · Cert 21710

FDIC

Q4 2000

$1.2BAssets
$686.1MLoans
$788.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.46%, down 49 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 86.97% of deposits as of Q4 2000.

Return on Assets (YTD, annualized)

0.46%-49 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 Assets1.00%0.94%0.94%0.95%0.77%0.72%0.40%0.46%-49 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)10.51%11.04%13.08%15.65%15.53%11.60%7.87%1.15%-1,450 bps
Loan Growth (YoY)10.29%18.30%21.72%27.82%28.53%23.75%9.29%3.96%-2,386 bps
Deposit Growth (YoY)9.31%10.08%6.64%10.78%2.88%0.11%5.35%-5.34%-1,613 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 / Deposits67.93%73.01%79.36%79.19%84.87%90.25%82.33%86.97%+778 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