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Firstar Bank Appleton

Appleton, WI · Cert 9522

FDIC

Q1 1996

$174.6MAssets
$134.9MLoans
$123.7MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.22%, up 26 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 109.09% of deposits as of Q1 1996.

Return on Assets (YTD, annualized)

1.22%+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.

MetricQ2 1994Q3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996YoY ΔTrend
Earnings
Return on Assets1.09%0.89%0.87%0.95%0.93%0.96%1.03%1.22%+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)n/an/an/a16.78%5.56%6.92%1.02%-2.20%-1,898 bps
Loan Growth (YoY)n/an/an/a22.48%7.27%3.46%1.05%-2.19%-2,467 bps
Deposit Growth (YoY)n/an/an/a11.78%20.43%22.12%7.54%1.10%-1,068 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 / Deposits113.43%121.14%112.90%112.75%101.03%102.63%106.10%109.09%-367 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