PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

M&I Bank of Eagle River

Eagle River, WI · Cert 20916

FDIC

Q1 2001

$247.3MAssets
$190.1MLoans
$186.0MDeposits
$20.0MEquity
Loan mix
86%RE $115.0M13%C&I $17.6M1%Consumer $0.9MQ1 2000Q1 2001
Deposit mix
92%Interest-bearing $170.6M8%Noninterest $15.5MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 1.06%, up 8 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 102.21% of deposits as of Q1 2001.

Financial Results

Return on Assets (quarter, annualized)

1.06%+8 bps YoY

Net Interest Margin (quarter, annualized)

3.12%

Efficiency Ratio (quarter, annualized)

54.79%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.98%0.91%0.68%0.79%1.06%+8 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.12%n/an/a
Efficiency Ration/an/an/an/a54.79%n/an/a
Non-Interest Burdenn/an/an/an/a1.49%n/an/a
Growth
Asset Growth (YoY)11.58%8.88%4.68%3.56%3.49%-809 bps
Loan Growth (YoY)14.66%12.39%10.54%9.83%10.17%-449 bps
Deposit Growth (YoY)14.67%16.26%15.06%18.83%1.86%-1,281 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.04%n/an/a
Allowance / Loansn/an/an/an/a1.27%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/a10.77%n/an/a
Equity / Assetsn/an/an/an/a8.07%n/an/a
Liquidity & Funding
Loans / Deposits94.50%90.29%88.34%89.16%102.21%+771 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%4.19%+419 bps
CRE / Total Capitaln/an/an/an/an/an/an/a