M&I Community State Bank

Eau Claire, WI · Cert 18111

FDIC

Q1 2001

$527.1MAssets

$344.5MLoans

$371.2MDeposits

$41.2MEquity

Loan mix

Deposit mix

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.

Return on Assets (quarter, annualized)

1.08%-10 bps YoY

Net Interest Margin (quarter, annualized)

3.15%

n/a

Efficiency Ratio (quarter, annualized)

58.72%

n/a

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q2 1999	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	YoY Δ	Trend
Earnings
Return on Assets	1.39%	1.34%	1.35%	1.18%	1.23%	1.00%	1.07%	1.08%	-10 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	3.15%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	58.72%	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.54%	n/a	n/a
Growth
Asset Growth (YoY)	11.11%	11.30%	9.18%	6.88%	-0.74%	3.22%	-2.21%	-2.58%	-946 bps
Loan Growth (YoY)	16.60%	15.47%	12.35%	11.77%	1.01%	-3.83%	-3.49%	-2.34%	-1,411 bps
Deposit Growth (YoY)	-0.99%	-1.62%	-0.37%	-10.17%	0.69%	9.52%	10.47%	14.26%	+2,443 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	0.25%	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.81%	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	12.48%	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	7.81%	n/a	n/a
Liquidity & Funding
Loans / Deposits	100.60%	102.84%	99.76%	108.59%	100.91%	90.31%	87.16%	92.81%	-1,577 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	6.76%	+676 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a