Cityfirst

Butler, WI · Charter 66843

Q2 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: Q2 1998, the quarter ended June 30, 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.

Butler, WI · Charter 66843

Q2 1998

$28.9MAssets

$19.5MLoans

$22.9MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

2.61%-49 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 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	3.10%	3.28%	2.90%	3.03%	2.61%	-49 bps
Return on Equity	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
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	-5.68%	-10.71%	-9.79%	-9.68%	-11.36%	-568 bps
Loan Growth (YoY)	13.14%	-0.53%	-1.43%	-4.17%	-10.22%	-2,336 bps
Share Growth (YoY)	-9.23%	-15.00%	-13.68%	-13.66%	-15.06%	-582 bps
Asset Quality
Delinquent Loans / Loans	0.51%	0.91%	0.71%	0.66%	0.71%	+20 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.49%	0.51%	0.47%	0.51%	0.48%	-1 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	80.59%	98.20%	88.79%	95.48%	85.18%	+459 bps
Liquid Assets / Assets	25.92%	13.02%	21.96%	15.93%	26.05%	+13 bps