M & M

Beaver Dam, WI · Charter 66754

Q4 1997

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 1997, the quarter ended December 31, 1997, 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.

Beaver Dam, WI · Charter 66754

Q4 1997

$344KAssets

$243KLoans

$298KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

0.44%-328 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 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	3.71%	2.63%	1.01%	2.50%	0.44%	-328 bps
Return on Equity	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
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	-25.42%	-23.33%	-28.48%	-22.86%	n/a
Loan Growth (YoY)	n/a	-34.37%	-37.71%	-39.56%	-32.71%	n/a
Share Growth (YoY)	n/a	-29.40%	-26.38%	-29.29%	-20.88%	n/a
Asset Quality
Delinquent Loans / Loans	5.94%	7.35%	6.60%	22.55%	0.93%	-501 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	3.19%	2.38%	0.15%	1.85%	1.61%	-158 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	95.59%	83.67%	84.92%	92.02%	81.31%	-1,429 bps
Liquid Assets / Assets	15.72%	24.32%	23.24%	14.09%	25.09%	+937 bps