PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

M&I Bank of Southern Wisconsin

Madison, WI · Cert 13042

FDIC

Q1 2001

$2.7BAssets
$1.8BLoans
$1.7BDeposits
$213.8MEquity
Loan mix
75%RE $1.3B24%C&I $0.4B1%Consumer $0.0BQ1 2000Q1 2001
Deposit mix
81%Interest-bearing $1.4B19%Noninterest $0.3BQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 1.11%, down 3 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Funding: loans stand at 103.03% of deposits as of Q1 2001.

Financial Results

Return on Assets (YTD, annualized)

1.11%-3 bps YoY

Net Interest Margin (YTD, annualized)

2.97%

Efficiency Ratio (YTD, annualized)

55.82%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets1.14%1.11%0.99%1.02%1.11%-3 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a2.97%n/an/a
Efficiency Ration/an/an/an/a55.82%n/an/a
Non-Interest Burdenn/an/an/an/a1.14%n/an/a
Growth
Asset Growth (YoY)11.38%9.84%11.00%2.77%4.53%-684 bps
Loan Growth (YoY)14.35%13.13%9.50%-11.08%-5.71%-2,006 bps
Deposit Growth (YoY)12.33%6.11%11.84%13.11%-8.90%-2,123 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-0.03%n/an/a
Allowance / Loansn/an/an/an/an/an/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/a11.03%n/an/a
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits99.54%105.33%96.21%79.90%103.03%+349 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