Security

Jefferson, WI · Charter 66485

Q2 1998

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 1998, the quarter ended June 30, 1998, 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.

Jefferson, WI · Charter 66485

Q2 1998

$3.9MAssets

$3.3MLoans

$2.9MShares

n/aNet Worth

Return on Assets (YTD, annualized)

5.91%+208 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	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	5.08%	4.85%	4.60%	3.84%	1.35%	4.74%	4.02%	5.91%	+208 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	-13.63%	-15.50%	-22.09%	-26.75%	-51.15%	-3,752 bps
Loan Growth (YoY)	n/a	n/a	n/a	-28.42%	-27.29%	-32.50%	-35.13%	-40.99%	-1,257 bps
Share Growth (YoY)	n/a	n/a	n/a	-16.06%	-15.29%	-22.35%	-28.04%	-57.88%	-4,182 bps
Asset Quality
Delinquent Loans / Loans	6.32%	9.86%	9.09%	7.71%	7.07%	5.39%	6.31%	9.29%	+159 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	3.12%	3.79%	4.15%	3.57%	6.01%	5.47%	6.20%	4.25%	+67 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	101.11%	92.16%	91.39%	83.05%	86.78%	80.11%	82.39%	116.34%	+3,330 bps
Liquid Assets / Assets	9.50%	16.60%	18.76%	25.44%	22.79%	27.55%	27.53%	4.10%	-2,134 bps