Oshkosh Northwestern Empls.

Oshkosh, WI · Charter 66501

Q4 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: Q4 1998, the quarter ended December 31, 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.

Oshkosh, WI · Charter 66501

Q4 1998

$731KAssets

$314KLoans

$545KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.71%-32 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	5.26%	5.49%	2.34%	4.03%	4.31%	4.46%	3.29%	3.71%	-32 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	-17.06%	-11.21%	-5.36%	-11.58%	2.22%	-9.35%	+185 bps
Loan Growth (YoY)	n/a	n/a	-24.82%	-37.78%	-50.31%	-43.12%	-44.16%	-41.37%	-359 bps
Share Growth (YoY)	n/a	n/a	-22.36%	-15.24%	-8.32%	-16.15%	1.10%	-13.54%	+170 bps
Asset Quality
Delinquent Loans / Loans	4.73%	9.13%	7.55%	4.49%	3.98%	3.92%	7.41%	4.49%	+1 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	1.79%	1.92%	2.83%	2.45%	3.15%	3.39%	4.19%	4.49%	+204 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	117.07%	109.03%	94.67%	85.12%	63.45%	73.96%	52.29%	57.72%	-2,740 bps
Liquid Assets / Assets	3.13%	13.18%	24.44%	29.66%	41.71%	43.91%	54.49%	55.14%	+2,548 bps