Lincoln Community Bank

Milwaukee, WI · Cert 29939

FDIC

Q4 2001

$109.2MAssets

$85.4MLoans

$84.2MDeposits

$9.7MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 0.94%, down 6 bps year over year; NIM at 3.63%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.83%.
Funding: loans stand at 101.34% of deposits as of Q4 2001.

Return on Assets (quarter, annualized)

0.94%-6 bps YoY

Net Interest Margin (quarter, annualized)

3.63%

Efficiency Ratio (quarter, annualized)

59.23%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	Q4 2001	YoY Δ	Trend
Earnings
Return on Assets	1.05%	1.04%	1.02%	1.00%	0.88%	1.12%	1.05%	0.94%	-6 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	13.06%	12.00%	10.67%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	3.34%	3.66%	3.84%	3.63%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	60.30%	57.71%	57.59%	59.23%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	1.93%	2.01%	2.11%	2.06%	n/a
Growth
Asset Growth (YoY)	16.56%	15.18%	12.17%	9.52%	-0.86%	-4.89%	-1.87%	-3.53%	-1,305 bps
Loan Growth (YoY)	17.46%	18.14%	13.23%	10.27%	-0.16%	-2.88%	-0.09%	-2.74%	-1,302 bps
Deposit Growth (YoY)	-3.74%	-2.46%	-0.44%	0.32%	0.24%	0.28%	1.06%	1.47%	+115 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	0.24%	0.05%	0.14%	0.83%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	1.01%	1.05%	1.09%	0.98%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	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	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	11.49%	11.74%	11.74%	12.09%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	8.47%	8.64%	8.80%	8.89%	n/a
Liquidity & Funding
Loans / Deposits	104.06%	107.39%	103.91%	105.74%	103.64%	104.02%	102.73%	101.34%	-439 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.22%	0.09%	0.05%	0.05%	+5 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a