F&M Bank-Kiel

Kiel, WI · Cert 15150

FDIC

Q4 1999

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 1999, the quarter ended December 31, 1999, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Kiel, WI · Cert 15150

FDIC

Q4 1999

$45.3MAssets

$29.7MLoans

$37.5MDeposits

n/aEquity

NIM decomposition not available for this institution

Non-interest trend not available for this institution

Return on Assets (YTD, annualized)

1.02%-41 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1998	Q1 1999	Q2 1999	Q3 1999	Q4 1999	YoY Δ	Trend
Earnings
Return on Assets	1.43%	1.29%	1.30%	1.28%	1.02%	-41 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	-1.08%	-4.80%	0.72%	8.64%	4.21%	+530 bps
Loan Growth (YoY)	-10.47%	-10.52%	-7.73%	-3.51%	3.29%	+1,376 bps
Deposit Growth (YoY)	4.08%	-3.71%	1.42%	2.85%	0.63%	-346 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Deposits	77.30%	79.08%	75.53%	77.43%	79.34%	+205 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a