Associated Bank Lakeshore, National Association

Manitowoc, WI · Cert 11619

FDIC

Q1 2001

$610.0MAssets

$422.4MLoans

$388.6MDeposits

$48.6MEquity

Loan mix

Deposit mix

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.

Return on Assets (quarter, annualized)

1.31%+39 bps YoY

Net Interest Margin (quarter, annualized)

3.13%

n/a

Efficiency Ratio (quarter, annualized)

50.22%

n/a

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q2 1999	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	YoY Δ	Trend
Earnings
Return on Assets	1.27%	1.29%	1.29%	0.92%	0.98%	1.05%	1.08%	1.31%	+39 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	n/a	3.13%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	50.22%	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.13%	n/a	n/a
Growth
Asset Growth (YoY)	35.37%	35.06%	5.45%	10.75%	16.54%	8.30%	8.07%	2.05%	-870 bps
Loan Growth (YoY)	24.17%	22.44%	6.56%	12.23%	11.32%	12.26%	11.86%	5.89%	-634 bps
Deposit Growth (YoY)	29.16%	36.84%	-5.70%	27.04%	22.29%	11.35%	16.29%	-20.09%	-4,713 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	0.67%	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.33%	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	10.81%	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	7.98%	n/a	n/a
Liquidity & Funding
Loans / Deposits	93.02%	89.15%	99.50%	82.03%	84.67%	89.87%	95.70%	108.70%	+2,667 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a