Gateway Community

Madison, WI · Charter 66563

Q4 1999

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 1999, the quarter ended December 31, 1999, 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.

Madison, WI · Charter 66563

Q4 1999

$7.4MAssets

$6.5MLoans

$6.6MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.21%-234 bps YoY

Net Interest Margin (YTD, annualized)

5.10%

n/a

Efficiency Ratio (YTD, annualized)

90.04%

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	YoY Δ	Trend
Earnings
Return on Assets	3.28%	3.05%	2.21%	2.55%	3.26%	3.79%	3.08%	0.21%	-234 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	5.10%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	90.04%	n/a	n/a
Growth
Asset Growth (YoY)	1.41%	8.96%	10.99%	20.72%	5.96%	8.76%	1.55%	-6.84%	-2,756 bps
Loan Growth (YoY)	15.59%	4.68%	12.91%	31.91%	34.40%	23.24%	6.68%	-8.59%	-4,050 bps
Share Growth (YoY)	-0.09%	11.66%	12.21%	17.50%	7.32%	9.30%	1.20%	-3.48%	-2,098 bps
Asset Quality
Delinquent Loans / Loans	0.86%	2.05%	1.06%	1.62%	1.82%	2.21%	1.44%	2.11%	+49 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	0.80%	0.81%	0.65%	0.62%	0.92%	1.02%	0.41%	0.67%	+6 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	77.78%	82.47%	88.41%	104.04%	97.41%	92.99%	93.20%	98.53%	-551 bps
Liquid Assets / Assets	23.73%	20.33%	15.40%	4.18%	7.18%	11.92%	10.61%	0.35%	-384 bps