PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

M&I National Trust Company

Milwaukee, WI · Cert 34833

FDIC

Q2 2012

$231.7MAssets
n/aLoans
n/aDeposits
$165.8MEquity

Executive Summary

  • Earnings: ROA of 17.83%, up 516 bps year over year; NIM at 0.26%.

Return on Assets (quarter, annualized)

17.83%+516 bps YoY

Net Interest Margin (quarter, annualized)

0.26%-11 bps YoY

Efficiency Ratio (quarter, annualized)

78.62%-737 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.46%Q2 ’100.38%Q2 ’110.26%Q2 ’12-19%-29%

Non-interest income vs. expense

141.39%Q2 ’10134.89%Q2 ’1189.82%Q2 ’12-74%+1%

Discrete quarter, annualized.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets12.62%11.37%15.48%12.68%-23.70%7.95%6.87%17.83%+516 bps
Return on Equity18.71%17.14%22.29%17.36%-33.97%11.95%10.19%25.34%+799 bps
Net Interest Margin0.44%0.42%0.38%0.38%-0.47%0.17%0.07%0.26%-11 bps
Efficiency Ratio85.63%86.27%82.52%85.99%87.39%84.15%83.56%78.62%-737 bps
Non-Interest Burden-20.48%-18.66%-25.00%-20.71%22.84%-15.61%-14.23%-20.54%+17 bps
Growth
Asset Growth (YoY)11.65%18.06%5.35%14.35%35.89%34.34%37.58%34.73%+2,037 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital71.58%68.76%83.16%81.00%98.52%88.96%95.67%97.81%+1,680 bps
Equity / Assets66.91%65.79%73.30%72.77%67.39%65.69%69.16%71.53%-125 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a