Gentelcoe

Grinnell, IA · Charter 14964

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.

Grinnell, IA · Charter 14964

Q4 1997

$1.2MAssets

$892KLoans

$1.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.78%-132 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	3.38%	4.14%	2.67%	3.10%	-6.30%	-2.87%	0.09%	1.78%	-132 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	-9.37%	-24.36%	-19.33%	-19.48%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-11.26%	-19.88%	-16.49%	-17.67%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-8.01%	-20.80%	-15.82%	-16.68%	n/a
Asset Quality
Delinquent Loans / Loans	2.32%	1.05%	0.36%	0.38%	9.44%	11.32%	4.43%	2.73%	+234 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	2.10%	1.99%	1.87%	2.60%	9.77%	10.73%	3.18%	1.78%	-81 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	69.86%	77.43%	77.83%	82.16%	67.39%	78.33%	77.21%	81.18%	-98 bps
Liquid Assets / Assets	32.79%	26.23%	23.40%	22.65%	32.21%	18.09%	17.35%	20.39%	-225 bps