PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citizens NB of Darlington

Darlington, WI · Cert 5290

FDIC

Q1 1998

$77.7MAssets
$54.1MLoans
$67.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.35%, up 19 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 80.77% of deposits as of Q1 1998.

Return on Assets (YTD, annualized)

1.35%+19 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.

MetricQ2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998YoY ΔTrend
Earnings
Return on Assets1.26%1.21%0.40%1.16%1.20%1.25%1.22%1.35%+19 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)3.14%5.05%5.62%6.94%5.83%5.69%2.59%4.26%-268 bps
Loan Growth (YoY)12.34%16.01%14.87%9.95%5.02%8.09%8.56%13.94%+399 bps
Deposit Growth (YoY)2.44%3.74%6.50%8.02%7.00%4.85%3.98%3.98%-404 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 / Deposits78.52%80.14%74.41%73.71%77.06%82.62%77.69%80.77%+706 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