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M&I Bank of La Crosse

La Crosse, WI · Cert 13270

FDIC

Q1 2001

$137.6MAssets
$93.6MLoans
$110.5MDeposits
$11.6MEquity
Loan mix
72%RE $44.4M26%C&I $16.2M1%Consumer $0.7MQ1 2000Q1 2001
Deposit mix
87%Interest-bearing $95.9M13%Noninterest $14.6MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 0.77%, down 1 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 84.72% of deposits as of Q1 2001.

Financial Results

Return on Assets (quarter, annualized)

0.77%-1 bps YoY

Net Interest Margin (quarter, annualized)

3.16%

Efficiency Ratio (quarter, annualized)

71.50%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.78%0.80%0.66%0.69%0.77%-1 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.16%n/an/a
Efficiency Ration/an/an/an/a71.50%n/an/a
Non-Interest Burdenn/an/an/an/a2.03%n/an/a
Growth
Asset Growth (YoY)4.90%3.50%-1.58%-6.00%-9.19%-1,409 bps
Loan Growth (YoY)1.27%2.54%-1.52%-3.29%-6.54%-781 bps
Deposit Growth (YoY)-0.47%-3.74%2.18%2.09%0.30%+77 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.02%n/an/a
Allowance / Loansn/an/an/an/a1.52%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/a12.30%n/an/a
Equity / Assetsn/an/an/an/a8.46%n/an/a
Liquidity & Funding
Loans / Deposits90.92%93.47%81.50%80.64%84.72%-620 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%5.81%+581 bps
CRE / Total Capitaln/an/an/an/an/an/an/a