Southwest Cedar Rapids Community

Cedar Rapids, IA · Charter 20934

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.

Cedar Rapids, IA · Charter 20934

Q2 2000

$7.5MAssets

$6.7MLoans

$6.9MShares

n/aNet Worth

Return on Assets (YTD, annualized)

-7.76%-1,303 bps YoY

Net Interest Margin (YTD, annualized)

4.56%

Efficiency Ratio (YTD, annualized)

233%

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	3.45%	-4.98%	0.81%	5.27%	5.00%	3.25%	0.57%	-7.76%	-1,303 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	4.31%	4.56%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	89.29%	233%	n/a
Growth
Asset Growth (YoY)	49.33%	50.54%	42.58%	35.54%	0.19%	-1.84%	-0.49%	-6.37%	-4,191 bps
Loan Growth (YoY)	64.18%	49.71%	30.14%	13.41%	-1.18%	2.20%	4.63%	12.34%	-107 bps
Share Growth (YoY)	53.16%	62.15%	53.13%	48.11%	3.06%	-4.16%	-1.40%	-8.92%	-5,703 bps
Asset Quality
Delinquent Loans / Loans	6.95%	19.57%	5.57%	5.83%	3.46%	3.58%	5.06%	3.17%	-266 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	0.61%	5.84%	3.78%	3.26%	2.00%	1.76%	0.89%	1.09%	-217 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	91.81%	84.68%	84.37%	78.57%	88.04%	90.30%	89.53%	96.90%	+1,833 bps
Liquid Assets / Assets	6.77%	7.75%	8.71%	8.93%	3.40%	1.86%	1.77%	0.00%	-893 bps