Keeps

Kearney, NE · Charter 20596

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.

Kearney, NE · Charter 20596

Q2 2000

$2.2MAssets

$1.5MLoans

$2.0MShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.40%-357 bps YoY

Net Interest Margin (YTD, annualized)

2.87%

Efficiency Ratio (YTD, annualized)

51.33%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	4.82%	4.93%	5.03%	4.97%	4.86%	5.05%	0.95%	1.40%	-357 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	2.55%	2.87%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	60.20%	51.33%	n/a
Growth
Asset Growth (YoY)	13.15%	21.37%	6.72%	3.93%	9.20%	9.06%	14.68%	13.64%	+971 bps
Loan Growth (YoY)	3.47%	3.63%	10.19%	16.75%	21.76%	10.30%	-5.76%	-13.53%	-3,028 bps
Share Growth (YoY)	14.01%	23.12%	6.51%	3.17%	9.01%	10.16%	16.06%	14.32%	+1,115 bps
Asset Quality
Delinquent Loans / Loans	0.38%	0.28%	0.80%	0.54%	0.46%	2.76%	0.67%	0.14%	-40 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	0.03%	0.23%	0.82%	0.51%	1.23%	1.41%	1.30%	1.35%	+84 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	86.50%	86.47%	95.60%	100.07%	96.61%	86.58%	77.63%	75.69%	-2,438 bps
Liquid Assets / Assets	17.96%	21.08%	12.34%	7.30%	11.40%	14.51%	4.20%	23.72%	+1,642 bps