County Wide

Wauwatosa, WI · Charter 66438

Q2 2000

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 2000, the quarter ended June 30, 2000, 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.

Wauwatosa, WI · Charter 66438

Q2 2000

$2.1MAssets

$1.5MLoans

$1.7MShares

n/aNet Worth

Return on Assets (YTD, annualized)

-0.70%-145 bps YoY

Net Interest Margin (YTD, annualized)

6.13%

Efficiency Ratio (YTD, annualized)

105.12%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	-3.76%	2.12%	1.84%	0.75%	1.78%	2.06%	0.45%	-0.70%	-145 bps
Return on Equity	n/a	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	6.37%	6.13%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	94.08%	105.12%	n/a
Growth
Asset Growth (YoY)	-13.13%	-14.78%	-19.80%	-19.22%	-10.47%	-10.23%	-7.87%	-5.32%	+1,390 bps
Loan Growth (YoY)	-34.47%	-44.59%	-44.59%	-31.63%	-23.51%	-3.32%	5.90%	9.90%	+4,153 bps
Share Growth (YoY)	-9.00%	-9.63%	-16.69%	-18.17%	-12.34%	-11.24%	-10.22%	-7.77%	+1,039 bps
Asset Quality
Delinquent Loans / Loans	7.26%	6.58%	3.82%	4.38%	1.40%	1.71%	0.12%	1.80%	-258 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	4.57%	3.90%	3.65%	3.09%	2.61%	2.78%	2.53%	2.28%	-81 bps
Capital
Risk-Based Capital	n/a	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	n/a
Liquidity & Funding
Loans / Shares	82.17%	69.15%	69.59%	73.15%	71.69%	75.32%	82.08%	87.16%	+1,401 bps
Liquid Assets / Assets	28.13%	35.61%	37.03%	32.55%	33.49%	30.35%	16.76%	0.00%	-3,255 bps