A & B

Ashland, WI · Charter 66643

Q2 2000

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 2000, the quarter ended June 30, 2000, 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.

Ashland, WI · Charter 66643

Q2 2000

$361KAssets

$302KLoans

$336KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-6.60%-907 bps YoY

Net Interest Margin (YTD, annualized)

7.89%

Efficiency Ratio (YTD, annualized)

80.04%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	4.14%	3.79%	1.90%	2.47%	1.51%	1.70%	-3.17%	-6.60%	-907 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	7.88%	7.89%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	77.60%	80.04%	n/a
Growth
Asset Growth (YoY)	0.35%	2.93%	5.65%	5.07%	19.64%	12.06%	-7.37%	-13.36%	-1,842 bps
Loan Growth (YoY)	28.18%	-1.24%	-4.16%	-5.27%	-3.47%	-10.56%	-3.85%	-16.53%	-1,126 bps
Share Growth (YoY)	-4.16%	1.24%	6.30%	5.89%	28.90%	17.76%	-3.38%	-7.19%	-1,308 bps
Asset Quality
Delinquent Loans / Loans	6.10%	5.00%	7.47%	6.05%	4.96%	5.80%	5.74%	3.30%	-275 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	1.24%	1.30%	2.25%	1.11%	1.16%	0.00%	4.20%	3.64%	+252 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	115.28%	111.83%	101.99%	99.87%	86.33%	84.94%	101.49%	89.81%	-1,006 bps
Liquid Assets / Assets	0.50%	0.51%	0.53%	4.89%	4.44%	9.70%	5.86%	6.41%	+152 bps