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M&I Bank of Mayville

Mayville, WI · Cert 13267

FDIC

Q1 2001

$132.0MAssets
$102.8MLoans
$106.7MDeposits
$9.4MEquity
Loan mix
82%RE $60.6M17%C&I $12.7M1%Consumer $0.9MQ2 1999Q1 2001
Deposit mix
86%Interest-bearing $92.3M14%Noninterest $14.5MQ2 1999Q1 2001

Executive Summary

  • Earnings: ROA of 1.21%, down 6 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Funding: loans stand at 96.28% of deposits as of Q1 2001.

Return on Assets (quarter, annualized)

1.21%-6 bps YoY

Net Interest Margin (quarter, annualized)

3.47%
n/a

Efficiency Ratio (quarter, annualized)

64.70%
n/a

Tier 1 Leverage Ratio

n/a
n/a

NIM

Non-interest income vs. expense

Discrete quarter, annualized.

MetricQ2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets1.23%1.24%1.23%1.28%1.27%1.20%1.22%1.21%-6 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a3.47%n/an/a
Efficiency Ration/an/an/an/an/an/an/a64.70%n/an/a
Non-Interest Burdenn/an/an/an/an/an/an/a1.65%n/an/a
Growth
Asset Growth (YoY)-0.02%6.69%4.46%2.94%1.32%0.84%-1.11%2.12%-82 bps
Loan Growth (YoY)-3.71%1.69%6.40%12.94%12.62%11.52%8.68%7.85%-510 bps
Deposit Growth (YoY)3.26%5.67%4.78%-2.04%-3.84%-6.06%-7.84%-4.97%-293 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a0.05%n/an/a
Allowance / Loansn/an/an/an/an/an/an/a1.50%n/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/a11.75%n/an/a
Equity / Assetsn/an/an/an/an/an/an/a7.11%n/an/a
Liquidity & Funding
Loans / Deposits76.14%76.69%75.83%84.84%89.18%91.03%89.42%96.28%+1,144 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%4.63%+463 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a