Health Care

Lincoln, NE · Charter 19286

Q2 1998

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 1998, the quarter ended June 30, 1998, 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.

Lincoln, NE · Charter 19286

Q2 1998

$5.3MAssets

$2.8MLoans

$4.8MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

2.20%-29 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 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	2.49%	2.88%	2.78%	3.45%	2.20%	-29 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
Growth
Asset Growth (YoY)	3.49%	7.18%	11.68%	4.07%	-0.30%	-380 bps
Loan Growth (YoY)	-18.77%	-21.45%	-14.09%	-5.25%	-20.49%	-172 bps
Share Growth (YoY)	7.44%	6.05%	11.55%	2.11%	-1.88%	-932 bps
Asset Quality
Delinquent Loans / Loans	0.92%	0.81%	0.19%	0.55%	0.17%	-75 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.02%	0.88%	0.90%	1.05%	1.19%	+17 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	71.14%	67.07%	63.18%	72.21%	57.65%	-1,349 bps
Liquid Assets / Assets	23.86%	13.07%	16.66%	29.06%	42.55%	+1,869 bps