PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

M&I Bank of Mayville

Mayville, WI · Cert 57193

FDIC

Q3 2012

$3.1MAssets
n/aLoans
$573KDeposits
$2.4MEquity
Deposit mix
87%Interest-bearing $500K13%Noninterest $73KQ3 2011Q3 2012

NIM

0.26%Q3 ’100.08%Q3 ’110.22%Q3 ’12-68%+164%

Non-interest income vs. expense

44.62%Q3 ’107.75%Q3 ’1125.29%Q3 ’12-100%

Executive Summary

  • Earnings: ROA of 0.13%, up 9 bps year over year; NIM at 0.22%.
  • Funding: loans stand at 0.00% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

0.13%+9 bps YoY

Net Interest Margin (YTD, annualized)

0.22%+14 bps YoY

Efficiency Ratio (YTD, annualized)

99.14%+20 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.04%0.07%0.13%0.13%0.13%+9 bps
Return on Equity0.06%0.08%0.17%0.17%0.17%+11 bps
Net Interest Margin0.08%0.10%0.26%0.26%0.22%+14 bps
Efficiency Ratio98.94%99.20%98.97%99.23%99.14%+20 bps
Non-Interest Burden0.00%0.00%0.00%0.07%0.00%0 bps
Growth
Asset Growth (YoY)-8.70%-2.99%0.13%2.25%2.28%+1,098 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)-34.19%-11.88%4.86%11.81%12.35%+4,655 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/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 Capital409%405%404%397%402%-685 bps
Equity / Assets80.23%79.57%79.44%77.78%78.57%-165 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a