PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Firstar Bank Minocqua

Minocqua, WI · Cert 6205

FDIC

Q2 1999

$3.9BAssets
$2.4BLoans
$3.0BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.99%, up 26 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 79.70% of deposits as of Q2 1999.

Return on Assets (YTD, annualized)

1.99%+26 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.

MetricQ3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999YoY ΔTrend
Earnings
Return on Assets1.53%1.53%1.69%1.74%1.73%1.49%1.96%1.99%+26 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)-4.88%-4.72%-8.39%-5.97%-5.95%-4.06%-6.31%-0.70%+526 bps
Loan Growth (YoY)-4.32%-6.92%-12.00%-10.49%-10.30%-10.74%-14.33%-7.74%+276 bps
Deposit Growth (YoY)-3.34%-1.92%-2.23%-1.55%0.04%0.17%-2.64%-2.53%-98 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 / Deposits90.57%85.16%84.81%84.20%81.21%75.89%74.64%79.70%-450 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