PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

M&I Citizens American Bank

Merrill, WI · Cert 14728

FDIC

Q1 2001

$79.8MAssets
$58.1MLoans
$67.9MDeposits
$6.2MEquity
Loan mix
82%RE $39.5M17%C&I $8.1M1%Consumer $0.3MQ1 2000Q1 2001
Deposit mix
86%Interest-bearing $58.7M14%Noninterest $9.2MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • 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.

Financial Results

Return on Assets (YTD, annualized)

0.89%-19 bps YoY

Net Interest Margin (YTD, annualized)

3.10%

Efficiency Ratio (YTD, annualized)

66.71%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets1.08%1.01%0.88%0.91%0.89%-19 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.10%n/an/a
Efficiency Ration/an/an/an/a66.71%n/an/a
Non-Interest Burdenn/an/an/an/a1.86%n/an/a
Growth
Asset Growth (YoY)7.36%7.00%4.77%8.71%-6.62%-1,399 bps
Loan Growth (YoY)6.08%4.87%1.63%-1.75%-5.68%-1,176 bps
Deposit Growth (YoY)11.96%28.71%16.30%32.16%-6.35%-1,831 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.01%n/an/a
Allowance / Loansn/an/an/an/a1.58%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/a12.78%n/an/a
Equity / Assetsn/an/an/an/a7.74%n/an/a
Liquidity & Funding
Loans / Deposits84.90%77.77%76.93%72.42%85.51%+61 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%5.71%+571 bps
CRE / Total Capitaln/an/an/an/an/an/an/a