Citizens

Butler, WI · Charter 66676

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.

Butler, WI · Charter 66676

Q4 1999

$6.7MAssets

$6.4MLoans

$5.9MShares

n/aNet Worth

Return on Assets (YTD, annualized)

-2.40%-521 bps YoY

Net Interest Margin (YTD, annualized)

5.35%

n/a

Efficiency Ratio (YTD, annualized)

132.49%

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	2.96%	3.28%	2.88%	2.81%	2.39%	2.63%	1.86%	-2.40%	-521 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	5.35%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	132.49%	n/a	n/a
Growth
Asset Growth (YoY)	9.66%	-0.98%	15.97%	9.26%	-4.51%	-0.22%	0.96%	1.70%	-756 bps
Loan Growth (YoY)	30.78%	24.03%	10.62%	18.02%	14.61%	-1.46%	7.72%	30.30%	+1,228 bps
Share Growth (YoY)	8.71%	5.72%	15.06%	8.21%	-5.88%	-1.04%	1.03%	-0.91%	-913 bps
Asset Quality
Delinquent Loans / Loans	1.16%	1.23%	0.85%	1.57%	0.87%	0.68%	0.49%	1.13%	-44 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	1.45%	1.43%	1.18%	1.28%	1.71%	1.23%	1.07%	0.88%	-41 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	66.41%	85.80%	70.65%	81.41%	80.87%	85.43%	75.33%	107.05%	+2,565 bps
Liquid Assets / Assets	27.77%	11.76%	26.26%	16.98%	19.29%	11.92%	23.29%	2.96%	-1,401 bps