United Southwest Bank

Vesta, MN · Cert 16313

FDIC

Q4 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: Q4 1996, the quarter ended December 31, 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.

Vesta, MN · Cert 16313

FDIC

Q4 1996

$13.0MAssets

$8.4MLoans

$12.1MDeposits

n/aEquity

NIM decomposition not available for this institution

Non-interest trend not available for this institution

Return on Assets (YTD, annualized)

0.55%+81 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 1995	Q1 1996	Q2 1996	Q3 1996	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	-0.26%	-0.25%	0.56%	0.74%	0.55%	+81 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)	10.52%	14.63%	12.48%	8.57%	6.90%	-361 bps
Loan Growth (YoY)	9.33%	11.57%	10.17%	9.81%	5.08%	-425 bps
Deposit Growth (YoY)	10.70%	15.28%	13.01%	8.46%	6.78%	-392 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	70.81%	64.41%	70.51%	75.19%	69.68%	-113 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