Arandell-Schmidt Employees

Menomonee Falls, WI · Charter 66446

Q4 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: Q4 1997, the quarter ended December 31, 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.

Menomonee Falls, WI · Charter 66446

Q4 1997

$796KAssets

$650KLoans

$702KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.63%-16 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	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	1.90%	2.66%	2.97%	3.79%	3.50%	3.85%	2.99%	3.63%	-16 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	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	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	43.24%	46.49%	8.41%	-7.81%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	57.85%	9.71%	7.96%	-4.16%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	44.38%	48.30%	6.87%	-10.13%	n/a
Asset Quality
Delinquent Loans / Loans	0.86%	0.86%	0.65%	0.00%	0.79%	1.99%	1.62%	1.60%	+160 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	0.65%	0.63%	0.56%	0.42%	0.44%	0.22%	0.53%	0.66%	+24 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	78.68%	103.40%	89.50%	86.87%	86.01%	76.49%	90.41%	92.63%	+577 bps
Liquid Assets / Assets	22.09%	5.85%	17.62%	19.94%	19.92%	29.05%	11.62%	8.35%	-1,159 bps