Ahdawagam

Wisconsin Rapid, WI · Charter 66411

Q2 1997

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: Q2 1997, the quarter ended June 30, 1997, 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.

Wisconsin Rapid, WI · Charter 66411

Q2 1997

$17.2MAssets

$15.8MLoans

$14.6MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.45%+88 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	4.22%	4.00%	3.56%	3.69%	4.43%	4.65%	4.45%	+88 bps
Return on Equity	n/a	n/a	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	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	12.52%	14.21%	15.59%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	33.54%	31.69%	17.65%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	11.75%	12.01%	14.52%	n/a
Asset Quality
Delinquent Loans / Loans	2.55%	0.33%	0.21%	0.71%	1.16%	1.05%	1.53%	+132 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.31%	0.11%	0.22%	0.21%	0.31%	0.39%	0.45%	+23 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	90.34%	96.65%	105.31%	106.82%	107.96%	113.62%	108.19%	+288 bps
Liquid Assets / Assets	11.28%	11.36%	3.72%	4.09%	3.96%	1.13%	4.97%	+125 bps