M&I Citizens American Bank

Merrill, WI · Cert 14728

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.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Merrill, WI · Cert 14728

FDIC

Q1 2001

$79.8MAssets

$58.1MLoans

$67.9MDeposits

$6.2MEquity

Loan mix

Deposit mix

Earnings: ROA of 0.89%, down 19 bps year over year; NIM at 3.10%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
Funding: loans stand at 85.51% of deposits as of Q1 2001.

Return on Assets (YTD, annualized)

0.89%-19 bps YoY

Net Interest Margin (YTD, annualized)

3.10%

n/a

Efficiency Ratio (YTD, annualized)

66.71%

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	1.32%	1.30%	1.35%	1.08%	1.01%	0.88%	0.91%	0.89%	-19 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	3.10%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	66.71%	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.86%	n/a	n/a
Growth
Asset Growth (YoY)	-3.59%	0.25%	-5.44%	7.36%	7.00%	4.77%	8.71%	-6.62%	-1,399 bps
Loan Growth (YoY)	10.98%	8.20%	7.24%	6.08%	4.87%	1.63%	-1.75%	-5.68%	-1,176 bps
Deposit Growth (YoY)	5.52%	13.98%	1.19%	11.96%	28.71%	16.30%	32.16%	-6.35%	-1,831 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	0.01%	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.58%	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	12.78%	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	7.74%	n/a	n/a
Liquidity & Funding
Loans / Deposits	95.45%	88.03%	97.42%	84.90%	77.77%	76.93%	72.42%	85.51%	+61 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	5.71%	+571 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a