Medical/Professional

Mitchell, SD · Charter 17738

Q2 2000

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: Q2 2000, the quarter ended June 30, 2000, 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.

Mitchell, SD · Charter 17738

Q2 2000

$893KAssets

$870KLoans

$773KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

1.08%-331 bps YoY

Net Interest Margin (YTD, annualized)

6.05%

Efficiency Ratio (YTD, annualized)

83.61%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	4.39%	3.81%	3.94%	0.67%	1.08%	-331 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	5.93%	6.05%	n/a
Efficiency Ratio	n/a	n/a	n/a	89.04%	83.61%	n/a
Growth
Asset Growth (YoY)	24.72%	25.55%	-2.73%	5.87%	2.92%	-2,180 bps
Loan Growth (YoY)	23.61%	33.21%	-1.69%	4.81%	6.91%	-1,669 bps
Share Growth (YoY)	18.37%	13.89%	11.74%	21.49%	6.21%	-1,216 bps
Asset Quality
Delinquent Loans / Loans	0.71%	1.56%	1.65%	0.00%	0.00%	-71 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.75%	0.50%	0.54%	0.54%	0.51%	-25 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	111.88%	120.27%	112.54%	111.03%	112.62%	+74 bps
Liquid Assets / Assets	0.00%	1.96%	0.00%	0.00%	0.00%	0 bps