Randolph Area

Randolph, WI · Charter 66730

Q2 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: Q2 1998, the quarter ended June 30, 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.

Randolph, WI · Charter 66730

Q2 1998

$154KAssets

$96KLoans

$138KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.72%-54 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	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	3.34%	3.81%	3.56%	4.26%	4.22%	1.92%	2.57%	3.72%	-54 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	n/a	-0.63%	-5.79%	-8.50%	-10.68%	-12.29%	-1,166 bps
Loan Growth (YoY)	n/a	n/a	n/a	36.33%	49.70%	37.91%	13.91%	-12.92%	-4,925 bps
Share Growth (YoY)	n/a	n/a	n/a	-2.47%	-8.26%	-4.26%	-10.58%	-8.98%	-651 bps
Asset Quality
Delinquent Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 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	0.00%	0.00%	0.00%	0.00%	0.00%	8.35%	8.18%	10.94%	+1,094 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	54.58%	60.12%	74.73%	72.79%	89.07%	86.61%	95.19%	69.64%	-315 bps
Liquid Assets / Assets	50.89%	46.81%	14.89%	36.36%	22.84%	26.88%	23.22%	43.60%	+724 bps