PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Associated Bank, N. A.

Neenah, WI · Cert 5311

FDIC

Q1 2001

$777.3MAssets
$565.4MLoans
$502.2MDeposits
$61.1MEquity
Loan mix
66%RE $245.7M33%C&I $122.5M0%Consumer $1.4MQ2 1999Q1 2001
Deposit mix
83%Interest-bearing $417.2M17%Noninterest $85.0MQ2 1999Q1 2001

Executive Summary

  • Earnings: ROA of 1.35%, up 11 bps year over year; NIM at 2.99%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 112.58% of deposits as of Q1 2001.

Return on Assets (YTD, annualized)

1.35%+11 bps YoY

Net Interest Margin (YTD, annualized)

2.99%
n/a

Efficiency Ratio (YTD, annualized)

48.59%
n/a

Tier 1 Leverage Ratio

n/a
n/a

NIM

Non-interest income vs. expense

Year to date, annualized, through each quarter.

MetricQ2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets1.59%1.49%1.43%1.24%1.21%1.22%1.26%1.35%+11 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a2.99%n/an/a
Efficiency Ration/an/an/an/an/an/an/a48.59%n/an/a
Non-Interest Burdenn/an/an/an/an/an/an/a0.85%n/an/a
Growth
Asset Growth (YoY)35.15%51.19%12.18%6.01%5.57%-5.57%-1.64%3.92%-209 bps
Loan Growth (YoY)25.65%25.13%6.78%4.44%4.19%5.37%5.56%5.23%+79 bps
Deposit Growth (YoY)12.72%20.57%2.22%16.77%10.94%10.49%13.89%-6.89%-2,366 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a-0.01%n/an/a
Allowance / Loansn/an/an/an/an/an/an/a1.37%n/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 Capitaln/an/an/an/an/an/an/a11.26%n/an/a
Equity / Assetsn/an/an/an/an/an/an/a7.87%n/an/a
Liquidity & Funding
Loans / Deposits106.75%97.54%101.72%99.61%100.26%93.02%94.29%112.58%+1,297 bps
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