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M&I Central Bank & Trust

Marshfield, WI · Cert 15535

FDIC

Q1 2001

$223.5MAssets
$172.3MLoans
$187.0MDeposits
$17.8MEquity
Loan mix
76%RE $85.7M23%C&I $26.0M1%Consumer $1.6MQ1 2000Q1 2001
Deposit mix
86%Interest-bearing $161.0M14%Noninterest $26.0MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 1.44%, up 6 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.08%.
  • Funding: loans stand at 92.15% of deposits as of Q1 2001.

Financial Results

Return on Assets (quarter, annualized)

1.44%+6 bps YoY

Net Interest Margin (quarter, annualized)

3.84%

Efficiency Ratio (quarter, annualized)

57.71%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets1.37%1.38%1.30%1.36%1.44%+6 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.84%n/an/a
Efficiency Ration/an/an/an/a57.71%n/an/a
Non-Interest Burdenn/an/an/an/a1.80%n/an/a
Growth
Asset Growth (YoY)5.86%5.50%-1.15%-1.10%-1.64%-750 bps
Loan Growth (YoY)5.77%5.84%0.91%2.63%2.46%-331 bps
Deposit Growth (YoY)7.15%4.85%4.59%1.23%-2.24%-939 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a-0.08%n/an/a
Allowance / Loansn/an/an/an/a1.40%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/a11.21%n/an/a
Equity / Assetsn/an/an/an/a7.96%n/an/a
Liquidity & Funding
Loans / Deposits87.92%90.32%88.65%89.60%92.15%+423 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%5.45%+545 bps
CRE / Total Capitaln/an/an/an/an/an/an/a