FCM

Milwaukee, WI · Charter 67169

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.

Milwaukee, WI · Charter 67169

Q4 1998

$3.0MAssets

$2.0MLoans

$2.6MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.78%-256 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	3.18%	3.70%	3.09%	3.34%	3.01%	3.35%	2.88%	0.78%	-256 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	-4.41%	3.80%	2.60%	4.87%	9.70%	1.61%	-219 bps
Loan Growth (YoY)	n/a	n/a	10.07%	13.48%	11.74%	7.76%	11.63%	3.12%	-1,036 bps
Share Growth (YoY)	n/a	n/a	-6.94%	1.71%	-0.98%	3.11%	8.11%	2.42%	+71 bps
Asset Quality
Delinquent Loans / Loans	2.54%	2.34%	3.71%	5.27%	3.62%	5.54%	3.76%	1.79%	-348 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	2.77%	2.40%	2.69%	1.93%	1.96%	1.65%	1.20%	2.65%	+71 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	67.68%	78.06%	72.31%	76.75%	76.37%	81.58%	74.67%	77.28%	+52 bps
Liquid Assets / Assets	31.12%	29.57%	29.52%	28.36%	30.11%	25.58%	29.82%	23.23%	-513 bps