Central States

St. Louis, MO · Charter 2304

Q4 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: Q4 1998, the quarter ended December 31, 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.

St. Louis, MO · Charter 2304

Q4 1998

$201KAssets

$82KLoans

$154KShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.71%+163 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	0.51%	2.03%	0.97%	1.08%	0.11%	-0.25%	3.92%	2.71%	+163 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	n/a	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	-43.61%	-48.10%	-43.21%	-33.70%	-33.80%	-22.97%	+2,513 bps
Loan Growth (YoY)	n/a	n/a	-46.25%	-35.85%	-37.74%	-10.52%	19.54%	-18.24%	+1,760 bps
Share Growth (YoY)	n/a	n/a	-55.21%	-61.91%	-57.01%	-47.93%	-51.75%	4.65%	+6,656 bps
Asset Quality
Delinquent Loans / Loans	9.53%	10.63%	11.88%	15.44%	3.25%	10.61%	6.88%	8.29%	-715 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	1.84%	5.34%	6.34%	8.55%	3.48%	8.27%	8.50%	11.09%	+254 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	53.86%	54.74%	45.18%	68.44%	78.01%	94.06%	111.92%	53.46%	-1,497 bps
Liquid Assets / Assets	38.06%	32.94%	36.06%	27.76%	21.89%	13.98%	5.56%	13.57%	-1,419 bps