Cornerstone

West Allis, WI · Charter 67004

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.

West Allis, WI · Charter 67004

Q4 1997

$26.3MAssets

$24.4MLoans

$22.4MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.65%-57 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	3.06%	3.14%	3.75%	4.23%	4.50%	4.61%	2.34%	3.65%	-57 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	58.63%	73.88%	18.69%	-9.63%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	119.59%	86.23%	24.44%	-7.64%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	52.21%	70.43%	30.15%	-16.70%	n/a
Asset Quality
Delinquent Loans / Loans	1.42%	2.10%	1.79%	1.75%	2.69%	2.76%	4.39%	3.47%	+171 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	1.40%	0.97%	1.51%	1.25%	1.01%	0.70%	2.41%	2.44%	+120 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	71.39%	99.97%	102.56%	98.41%	102.99%	109.24%	98.06%	109.11%	+1,070 bps
Liquid Assets / Assets	23.83%	6.74%	4.41%	2.14%	1.09%	0.17%	1.15%	0.60%	-153 bps