Kettle Moraine Empls.

Glenbeulah, WI · Charter 66796

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.

Glenbeulah, WI · Charter 66796

Q2 1999

$388KAssets

$380KLoans

$318KShares

n/aNet Worth

Return on Assets (YTD, annualized)

8.94%+379 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	6.47%	5.24%	4.83%	5.15%	6.19%	6.55%	5.12%	8.94%	+379 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	22.54%	26.57%	31.76%	27.20%	31.90%	24.60%	-1.67%	-3,343 bps
Loan Growth (YoY)	n/a	19.71%	14.30%	25.58%	26.64%	31.42%	27.15%	5.43%	-2,015 bps
Share Growth (YoY)	n/a	20.37%	53.97%	39.85%	28.57%	32.87%	11.69%	-4.78%	-4,464 bps
Asset Quality
Delinquent Loans / Loans	0.61%	2.31%	2.34%	4.19%	2.11%	0.05%	0.05%	0.84%	-335 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	1.49%	1.93%	2.68%	3.27%	3.54%	0.93%	1.35%	1.91%	-136 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	118.47%	111.71%	104.69%	107.97%	116.69%	110.49%	119.19%	119.55%	+1,158 bps
Liquid Assets / Assets	0.60%	3.78%	9.00%	2.54%	0.32%	0.41%	0.01%	0.01%	-253 bps