PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Firstar Bank Eau Claire NA

Eau Claire, WI · Cert 5345

FDIC

Q4 1995

$296.0MAssets
$189.3MLoans
$233.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.75%, up 25 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 81.04% of deposits as of Q4 1995.

Return on Assets (YTD, annualized)

1.75%+25 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 1994Q2 1994Q3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995YoY ΔTrend
Earnings
Return on Assets1.69%1.49%1.43%1.50%1.46%1.46%1.73%1.75%+25 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/an/a9.18%7.73%1.28%-2.54%n/a
Loan Growth (YoY)n/an/an/an/a2.54%5.91%0.51%0.61%n/a
Deposit Growth (YoY)n/an/an/an/a-5.34%-4.93%-0.15%4.47%n/a
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 / Deposits82.57%84.39%85.11%84.15%89.44%94.02%85.68%81.04%-311 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