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Associated Bank Lakeshore, National Association

Manitowoc, WI · Cert 11619

FDIC

Q1 2001

$610.0MAssets
$422.4MLoans
$388.6MDeposits
$48.6MEquity
Loan mix
66%RE $173.9M33%C&I $87.2M0%Consumer $0.7MQ1 2000Q1 2001
Deposit mix
87%Interest-bearing $339.7M13%Noninterest $48.9MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 1.31%, up 39 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.67%.
  • Funding: loans stand at 108.70% of deposits as of Q1 2001.

Financial Results

Return on Assets (quarter, annualized)

1.31%+39 bps YoY

Net Interest Margin (quarter, annualized)

3.13%

Efficiency Ratio (quarter, annualized)

50.22%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.92%0.98%1.05%1.08%1.31%+39 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.13%n/an/a
Efficiency Ration/an/an/an/a50.22%n/an/a
Non-Interest Burdenn/an/an/an/a1.13%n/an/a
Growth
Asset Growth (YoY)10.75%16.54%8.30%8.07%2.05%-870 bps
Loan Growth (YoY)12.23%11.32%12.26%11.86%5.89%-634 bps
Deposit Growth (YoY)27.04%22.29%11.35%16.29%-20.09%-4,713 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.67%n/an/a
Allowance / Loansn/an/an/an/a1.33%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/a10.81%n/an/a
Equity / Assetsn/an/an/an/a7.98%n/an/a
Liquidity & Funding
Loans / Deposits82.03%84.67%89.87%95.70%108.70%+2,667 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a