Macwhyte

Kenosha, WI · Charter 66581

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.

Kenosha, WI · Charter 66581

Q4 1998

$1.1MAssets

$639KLoans

$805KShares

n/aNet Worth

Return on Assets (YTD, annualized)

6.57%+255 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	3.54%	2.92%	4.39%	4.02%	-10.70%	-4.24%	4.29%	6.57%	+255 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	-8.54%	-10.70%	-26.37%	-25.81%	-25.98%	-14.87%	-416 bps
Loan Growth (YoY)	n/a	n/a	4.49%	1.13%	-27.83%	-38.98%	-41.50%	-40.39%	-4,152 bps
Share Growth (YoY)	n/a	n/a	-11.95%	-14.69%	-27.68%	-27.27%	-27.26%	-16.24%	-155 bps
Asset Quality
Delinquent Loans / Loans	4.62%	2.38%	3.23%	8.19%	9.72%	22.74%	21.02%	1.76%	-643 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	0.90%	1.28%	1.32%	2.15%	8.79%	6.40%	9.43%	4.44%	+229 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	101.64%	106.67%	99.65%	111.64%	101.43%	89.50%	80.16%	79.45%	-3,219 bps
Liquid Assets / Assets	13.38%	6.70%	13.89%	11.20%	14.74%	30.36%	40.61%	36.92%	+2,572 bps