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M&I Bank

Ashland, WI · Cert 10035

FDIC

Q1 2001

$89.0MAssets
$74.1MLoans
$77.6MDeposits
$6.6MEquity
Loan mix
78%RE $40.9M21%C&I $10.7M1%Consumer $0.6MQ1 2000Q1 2001
Deposit mix
87%Interest-bearing $67.4M13%Noninterest $10.1MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 1.22%, down 8 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.05%.
  • Funding: loans stand at 95.48% of deposits as of Q1 2001.

Financial Results

Return on Assets (quarter, annualized)

1.22%-8 bps YoY

Net Interest Margin (quarter, annualized)

3.99%

Efficiency Ratio (quarter, annualized)

63.57%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets1.30%1.29%1.26%1.34%1.22%-8 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.99%n/an/a
Efficiency Ration/an/an/an/a63.57%n/an/a
Non-Interest Burdenn/an/an/an/a2.23%n/an/a
Growth
Asset Growth (YoY)11.56%6.66%0.26%-2.97%-3.49%-1,505 bps
Loan Growth (YoY)11.21%5.51%1.08%-2.68%-0.85%-1,205 bps
Deposit Growth (YoY)2.67%4.94%3.28%1.58%6.04%+337 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a-0.05%n/an/a
Allowance / Loansn/an/an/an/a1.59%n/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/a11.37%n/an/a
Equity / Assetsn/an/an/an/a7.43%n/an/a
Liquidity & Funding
Loans / Deposits102.11%98.55%99.18%93.52%95.48%-663 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%6.61%+661 bps
CRE / Total Capitaln/an/an/an/an/an/an/a