PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Firstar Bank Oshkosh NA

Oshkosh, WI · Cert 5315

FDIC

Q1 1996

$313.4MAssets
$241.6MLoans
$238.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.32%, down 1 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 101.47% of deposits as of Q1 1996.

Return on Assets (YTD, annualized)

1.32%-1 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 1994Q3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996YoY ΔTrend
Earnings
Return on Assets1.43%1.36%1.35%1.34%1.37%1.43%1.52%1.32%-1 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)n/an/an/a6.96%2.94%-3.66%-4.16%-2.12%-908 bps
Loan Growth (YoY)n/an/an/a-5.16%-8.89%-12.80%-4.59%0.66%+581 bps
Deposit Growth (YoY)n/an/an/a6.20%2.35%-2.11%-2.70%-1.84%-804 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 / Deposits110.15%111.68%97.61%98.95%98.06%99.48%95.72%101.47%+252 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