Gold Bond

Waukesha, WI · Charter 66775

Q4 1996

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 1996, the quarter ended December 31, 1996, 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.

Waukesha, WI · Charter 66775

Q4 1996

$54KAssets

$0KLoans

$30KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.50%+169 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 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	1.17%	1.81%	2.70%	2.90%	2.76%	3.50%	+169 bps
Return on Equity	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
Efficiency Ratio	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	n/a	-0.34%	-13.19%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-46.98%	-100.00%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-5.94%	-26.57%	n/a
Asset Quality
Delinquent Loans / Loans	4.49%	0.00%	3.52%	0.00%	0.00%	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	17.53%	13.28%	13.79%	11.66%	33.06%	n/a	n/a
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	12.70%	18.27%	18.52%	25.20%	7.16%	0.00%	-1,827 bps
Liquid Assets / Assets	55.18%	56.53%	61.66%	68.26%	60.41%	74.67%	+1,814 bps