Whitewater Community

Whitewater, WI · Charter 66795

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.

Whitewater, WI · Charter 66795

Q4 1998

$1.2MAssets

$785KLoans

$1.0MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.52%-59 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	4.15%	4.53%	4.61%	5.11%	4.40%	4.78%	4.22%	4.52%	-59 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	-0.01%	-2.02%	-4.53%	1.09%	-6.67%	-8.55%	-653 bps
Loan Growth (YoY)	n/a	n/a	-8.09%	-9.42%	2.39%	4.06%	-14.53%	-24.77%	-1,535 bps
Share Growth (YoY)	n/a	n/a	-0.97%	-3.77%	-7.06%	-1.05%	-8.97%	-10.78%	-700 bps
Asset Quality
Delinquent Loans / Loans	1.45%	0.80%	0.35%	0.30%	0.35%	3.97%	2.56%	2.89%	+258 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	0.22%	1.10%	0.91%	0.78%	0.95%	1.10%	1.22%	1.20%	+43 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	89.64%	93.16%	85.66%	92.12%	98.76%	97.97%	80.43%	77.68%	-1,445 bps
Liquid Assets / Assets	13.48%	11.55%	14.09%	13.12%	3.17%	11.84%	26.79%	26.02%	+1,289 bps