St. Francis Hospital Empls.

Milwaukee, WI · Charter 66797

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.

Milwaukee, WI · Charter 66797

Q4 1997

$708KAssets

$419KLoans

$539KShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.77%+193 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	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	1.86%	2.39%	2.46%	0.84%	1.96%	2.70%	2.15%	2.77%	+193 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	n/a	n/a	-11.81%	2.90%	5.09%	-2.02%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	1.38%	18.40%	25.37%	46.89%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-3.91%	6.69%	6.89%	-3.53%	n/a
Asset Quality
Delinquent Loans / Loans	10.49%	18.91%	12.24%	5.08%	4.26%	2.80%	5.38%	5.61%	+53 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	4.91%	6.20%	5.68%	4.80%	5.41%	4.31%	4.97%	4.28%	-53 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	41.59%	49.92%	46.84%	51.05%	43.88%	55.41%	54.94%	77.73%	+2,668 bps
Liquid Assets / Assets	29.85%	18.73%	34.09%	28.60%	29.78%	30.80%	32.22%	19.21%	-939 bps