Citizens Community

Altoona, WI · Charter 67241

Q3 1996

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: Q3 1996, the quarter ended September 30, 1996, 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.

Altoona, WI · Charter 67241

Q3 1996

n/aAssets

n/aLoans

n/aShares

n/aNet Worth

Return on Assets (YTD, annualized)

n/a

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	Q3 1994	Q4 1994	Q1 1995	Q2 1995	Q3 1995	Q4 1995	Q1 1996	Q3 1996	YoY Δ	Trend
Earnings
Return on Assets	4.29%	4.13%	4.27%	4.40%	4.53%	4.36%	4.86%	n/a	n/a
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	15.23%	17.70%	19.53%	28.88%	26.65%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	15.34%	15.79%	14.83%	15.94%	19.08%	n/a	n/a
Share Growth (YoY)	n/a	n/a	15.39%	18.20%	20.24%	30.89%	28.38%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.08%	0.06%	0.04%	0.06%	0.15%	0.22%	0.22%	n/a	n/a
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	0.96%	0.91%	0.84%	0.79%	0.74%	0.65%	0.56%	n/a	n/a
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	92.14%	94.28%	91.13%	89.44%	87.99%	83.52%	84.53%	n/a	n/a
Liquid Assets / Assets	8.68%	7.49%	9.46%	11.62%	12.17%	15.67%	16.54%	n/a	n/a