Burlington Consumers

Burlington, WI · Charter 66740

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.

Burlington, WI · Charter 66740

Q4 1998

$235KAssets

$162KLoans

$180KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-7.58%-1,348 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	4.32%	2.07%	8.71%	5.89%	2.43%	3.06%	-7.62%	-7.58%	-1,348 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	-20.78%	-22.28%	-22.34%	-22.46%	-8.69%	-18.38%	+390 bps
Loan Growth (YoY)	n/a	n/a	-25.58%	-26.01%	-15.69%	-15.22%	-9.02%	-7.81%	+1,820 bps
Share Growth (YoY)	n/a	n/a	-27.74%	-29.57%	-28.94%	-31.82%	-5.59%	-13.55%	+1,603 bps
Asset Quality
Delinquent Loans / Loans	13.48%	21.01%	10.51%	13.50%	8.32%	19.49%	24.86%	34.40%	+2,090 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	1.59%	5.77%	3.65%	2.40%	1.92%	2.90%	8.24%	17.09%	+1,469 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	84.45%	85.00%	98.04%	84.71%	100.19%	105.71%	94.48%	90.33%	+562 bps
Liquid Assets / Assets	28.68%	32.85%	24.17%	31.29%	24.46%	23.18%	22.68%	31.80%	+52 bps