Associated Bank South Central

Madison, WI · Cert 13237

FDIC

Q1 2001

$974.8MAssets

$692.9MLoans

$672.7MDeposits

$70.9MEquity

Loan mix

Deposit mix

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.

Return on Assets (YTD, annualized)

1.00%+2 bps YoY

Net Interest Margin (YTD, annualized)

2.83%

n/a

Efficiency Ratio (YTD, annualized)

67.95%

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1999	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	YoY Δ	Trend
Earnings
Return on Assets	1.08%	1.12%	1.10%	0.98%	0.92%	0.91%	0.90%	1.00%	+2 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	2.83%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	67.95%	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.40%	n/a	n/a
Growth
Asset Growth (YoY)	50.40%	62.39%	14.21%	14.07%	10.69%	6.92%	4.17%	-0.25%	-1,432 bps
Loan Growth (YoY)	53.71%	60.34%	18.09%	15.92%	12.77%	9.71%	5.15%	1.14%	-1,478 bps
Deposit Growth (YoY)	38.24%	49.17%	-0.06%	21.59%	12.00%	5.82%	8.58%	-18.50%	-4,009 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	0.10%	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.36%	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	11.19%	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	7.28%	n/a	n/a
Liquidity & Funding
Loans / Deposits	88.32%	88.98%	96.19%	83.01%	88.92%	92.25%	93.15%	103.00%	+2,000 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