MCFC National Bank

Lenexa, KS · Cert 34026

FDIC

Q2 2001

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 2001, the quarter ended June 30, 2001, 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.

Lenexa, KS · Cert 34026

FDIC

Q2 2001

$3.3MAssets

n/aLoans

$500KDeposits

$2.5MEquity

Deposit mix

Return on Assets (YTD, annualized)

13.45%-20,080 bps YoY

Net Interest Margin (YTD, annualized)

0.87%

Efficiency Ratio (YTD, annualized)

92.21%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	YoY Δ	Trend
Earnings
Return on Assets	214%	31.40%	30.27%	20.46%	13.45%	-20,080 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	0.84%	0.87%	n/a
Efficiency Ratio	n/a	n/a	n/a	93.58%	92.21%	n/a
Non-Interest Burden	n/a	n/a	n/a	-39.73%	-18.73%	n/a
Growth
Asset Growth (YoY)	77.58%	-1.43%	2.03%	1.11%	-46.31%	-12,389 bps
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	214%	186.24%	n/a
Equity / Assets	n/a	n/a	n/a	81.12%	75.94%	n/a
Liquidity & Funding
Loans / Deposits	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	3.31%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a