Regional V. A.

Milwaukee, WI · Charter 66785

Q2 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: Q2 1999, the quarter ended June 30, 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.

Milwaukee, WI · Charter 66785

Q2 1999

$255KAssets

$98KLoans

$219KShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.66%-65 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	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	3.09%	2.49%	2.56%	2.31%	2.72%	2.12%	2.21%	1.66%	-65 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	6.22%	9.07%	6.17%	-6.55%	-2.35%	-5.46%	4.69%	-148 bps
Loan Growth (YoY)	n/a	12.01%	0.41%	17.10%	-11.80%	-11.52%	-10.17%	-32.96%	-5,006 bps
Share Growth (YoY)	n/a	5.66%	9.38%	6.64%	-7.98%	-2.99%	-6.75%	5.07%	-157 bps
Asset Quality
Delinquent Loans / Loans	1.17%	1.16%	2.02%	0.73%	3.95%	1.39%	0.00%	0.00%	-73 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	3.28%	2.55%	2.22%	2.27%	3.10%	2.10%	2.01%	2.38%	+11 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	79.04%	67.35%	65.95%	70.50%	75.75%	61.43%	63.53%	44.99%	-2,552 bps
Liquid Assets / Assets	33.28%	38.42%	37.76%	36.84%	28.32%	36.91%	34.53%	48.11%	+1,127 bps