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Bank One, Wisconsin

Milwaukee, WI · Cert 2487

FDIC

Q2 2002

$7.3BAssets
$4.3BLoans
$4.4BDeposits
$500.1MEquity
Loan mix
17%RE $0.4B83%C&I $2.0B0%Consumer $0.0BQ2 2001Q2 2002
Deposit mix
79%Interest-bearing $3.5B21%Noninterest $0.9BQ2 2001Q2 2002

NIM

7.35%Q1 ’017.03%Q2 ’014.39%Q2 ’02+0%-26%

Non-interest income vs. expense

5.89%Q1 ’015.90%Q2 ’016.36%Q2 ’02-9%-91%

Executive Summary

  • Earnings: ROA of 1.48%, up 24 bps year over year; NIM at 2.62%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.52%.
  • Funding: loans stand at 97.61% of deposits as of Q2 2002.

Financial Results

Return on Assets (YTD, annualized)

1.48%+24 bps YoY

Net Interest Margin (YTD, annualized)

2.62%-92 bps YoY

Efficiency Ratio (YTD, annualized)

71.78%-39 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets1.24%1.41%1.44%1.41%1.48%+24 bps
Return on Equityn/an/an/a21.28%22.08%n/a
Net Interest Margin3.54%3.49%3.50%2.74%2.62%-92 bps
Efficiency Ratio72.17%71.49%71.95%73.29%71.78%-39 bps
Non-Interest Burden1.26%1.06%1.00%0.27%0.12%-114 bps
Growth
Asset Growth (YoY)-7.04%-6.69%-6.69%-9.36%-3.18%+386 bps
Loan Growth (YoY)-8.81%-9.46%-9.36%-13.54%-14.94%-612 bps
Deposit Growth (YoY)-2.08%-0.59%0.85%1.36%5.21%+729 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.36%0.48%0.56%0.67%0.52%+16 bps
Allowance / Loans2.90%2.79%2.81%2.91%3.04%+14 bps
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 Capital11.01%11.20%11.30%11.94%11.95%+94 bps
Equity / Assets6.03%6.34%6.36%6.89%6.85%+83 bps
Liquidity & Funding
Loans / Deposits120.72%114.67%105.45%103.90%97.61%-2,311 bps
Liquid Assets / Assets17.60%18.20%18.74%19.68%19.13%+153 bps
CRE / Total Capitaln/an/an/an/an/an/an/a