Appleton Telco

Appleton, WI · Charter 66425

Q4 1996

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 1996, the quarter ended December 31, 1996, 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.

Appleton, WI · Charter 66425

Q4 1996

$2.3MAssets

$862KLoans

$1.6MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.30%+104 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	YoY Δ	Trend
Earnings
Return on Assets	2.48%	3.26%	3.56%	3.76%	3.65%	4.30%	+104 bps
Return on Equity	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
Efficiency Ratio	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	-13.32%	-18.08%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-8.72%	-24.43%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-18.90%	-26.30%	n/a
Asset Quality
Delinquent Loans / Loans	0.58%	0.00%	1.17%	0.24%	2.14%	1.71%	+171 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.13%	1.10%	1.16%	0.88%	1.09%	1.28%	+18 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	45.62%	51.71%	52.44%	57.21%	51.35%	53.02%	+131 bps
Liquid Assets / Assets	30.89%	56.37%	57.53%	47.02%	56.24%	61.35%	+498 bps