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Marquette Capital Bank, N.A.

Wayzata, MN · Cert 33810

FDIC

Q2 2002

$238.3MAssets
$152.7MLoans
$186.5MDeposits
$49.3MEquity
Loan mix
33%RE $43.0M62%C&I $81.7M5%Consumer $6.9MQ2 2001Q2 2002
Deposit mix
78%Interest-bearing $145.1M22%Noninterest $41.4MQ2 2001Q2 2002

NIM

8.25%Q1 ’017.36%Q2 ’014.32%Q2 ’02-8%-8%

Non-interest income vs. expense

3.67%Q1 ’013.77%Q2 ’012.46%Q2 ’02-53%+21%

Executive Summary

  • Earnings: ROA of 1.76%, up 79 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.97%.
  • Funding: loans stand at 81.89% of deposits as of Q2 2002.

Financial Results

Return on Assets (quarter, annualized)

1.76%+79 bps YoY

Net Interest Margin (quarter, annualized)

3.87%-33 bps YoY

Efficiency Ratio (quarter, annualized)

51.55%-547 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets0.97%1.12%1.20%1.20%1.76%+79 bps
Return on Equity11.49%12.17%12.62%9.41%9.79%-169 bps
Net Interest Margin4.20%4.33%4.25%2.36%3.87%-33 bps
Efficiency Ratio57.02%75.78%77.18%53.48%51.55%-547 bps
Non-Interest Burden1.36%3.11%3.06%1.04%1.65%+29 bps
Growth
Asset Growth (YoY)18.12%10.07%6.41%7.92%-14.21%-3,233 bps
Loan Growth (YoY)18.24%15.62%10.86%-11.54%-27.01%-4,524 bps
Deposit Growth (YoY)21.30%19.35%33.94%25.24%-13.96%-3,526 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.88%0.19%0.07%-0.61%-0.97%-9 bps
Allowance / Loans2.14%2.15%2.08%2.42%3.01%+87 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 Capital10.99%11.44%11.38%12.00%15.37%+437 bps
Equity / Assets8.59%9.84%9.18%15.91%20.69%+1,210 bps
Liquidity & Funding
Loans / Deposits96.53%110.69%99.46%76.14%81.89%-1,464 bps
Liquid Assets / Assets0.01%0.03%0.01%0.00%0.02%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a