Bank of Coffey

Coffey, MO · Cert 12738

FDIC

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.

Coffey, MO · Cert 12738

FDIC

Q4 1997

$9.5MAssets

$5.5MLoans

$8.7MDeposits

n/aEquity

NIM decomposition not available for this institution

Non-interest trend not available for this institution

Return on Assets (YTD, annualized)

0.77%+205 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q1 1997	Q2 1997	Q3 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	-1.28%	1.34%	0.00%	0.55%	0.77%	+205 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
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	7.41%	-2.67%	-5.21%	4.10%	6.55%	-86 bps
Loan Growth (YoY)	-9.68%	-15.64%	-18.03%	4.62%	6.35%	+1,604 bps
Deposit Growth (YoY)	11.68%	0.34%	1.98%	1.92%	4.32%	-737 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Deposits	61.90%	64.20%	67.85%	75.86%	63.11%	+121 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a