PackageTrendsPeer
Letter portraitLegal landscape

Associated Bank South Central

Madison, WI · Cert 13237

FDIC

Q1 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2001, the quarter ended March 31, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Associated Bank South Central

Madison, WI · Cert 13237

FDIC

Q1 2001

$974.8MAssets
$692.9MLoans
$672.7MDeposits
$70.9MEquity
Loan mix
88%RE $401.8M12%C&I $55.2M0%Consumer $0.7MQ1 2000Q1 2001
Deposit mix
89%Interest-bearing $599.3M11%Noninterest $73.4MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 1.00%, up 2 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Funding: loans stand at 103.00% of deposits as of Q1 2001.

Financial Results

Return on Assets (YTD, annualized)

1.00%+2 bps YoY

Net Interest Margin (YTD, annualized)

2.83%

Efficiency Ratio (YTD, annualized)

67.95%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.98%0.92%0.91%0.90%1.00%+2 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a2.83%n/an/a
Efficiency Ration/an/an/an/a67.95%n/an/a
Non-Interest Burdenn/an/an/an/a1.40%n/an/a
Growth
Asset Growth (YoY)14.07%10.69%6.92%4.17%-0.25%-1,432 bps
Loan Growth (YoY)15.92%12.77%9.71%5.15%1.14%-1,478 bps
Deposit Growth (YoY)21.59%12.00%5.82%8.58%-18.50%-4,009 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.10%n/an/a
Allowance / Loansn/an/an/an/a1.36%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/a11.19%n/an/a
Equity / Assetsn/an/an/an/a7.28%n/an/a
Liquidity & Funding
Loans / Deposits83.01%88.92%92.25%93.15%103.00%+2,000 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