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M&I Community State Bank

Eau Claire, WI · Cert 18111

FDIC

Q1 2001

$527.1MAssets
$344.5MLoans
$371.2MDeposits
$41.2MEquity
Loan mix
70%RE $162.2M29%C&I $67.4M1%Consumer $2.7MQ1 2000Q1 2001
Deposit mix
87%Interest-bearing $323.5M13%Noninterest $47.7MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 1.08%, down 10 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.25%.
  • Funding: loans stand at 92.81% of deposits as of Q1 2001.

Financial Results

Return on Assets (quarter, annualized)

1.08%-10 bps YoY

Net Interest Margin (quarter, annualized)

3.15%

Efficiency Ratio (quarter, annualized)

58.72%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets1.18%1.23%1.00%1.07%1.08%-10 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.15%n/an/a
Efficiency Ration/an/an/an/a58.72%n/an/a
Non-Interest Burdenn/an/an/an/a1.54%n/an/a
Growth
Asset Growth (YoY)6.88%-0.74%3.22%-2.21%-2.58%-946 bps
Loan Growth (YoY)11.77%1.01%-3.83%-3.49%-2.34%-1,411 bps
Deposit Growth (YoY)-10.17%0.69%9.52%10.47%14.26%+2,443 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.25%n/an/a
Allowance / Loansn/an/an/an/a1.81%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/a12.48%n/an/a
Equity / Assetsn/an/an/an/a7.81%n/an/a
Liquidity & Funding
Loans / Deposits108.59%100.91%90.31%87.16%92.81%-1,577 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%6.76%+676 bps
CRE / Total Capitaln/an/an/an/an/an/an/a