Prairie National Bank

Belle Plaine, MN · Cert 34122

FDIC

Q1 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: Q1 2001, the quarter ended March 31, 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.

Belle Plaine, MN · Cert 34122

FDIC

Q1 2001

$33.7MAssets

$25.2MLoans

$33.6MDeposits

$-61KEquity

Deposit mix

Earnings: ROA of 0.39%, down 11 bps year over year; NIM at 2.88%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.06%.
Funding: loans stand at 75.07% of deposits as of Q1 2001.

Return on Assets (YTD, annualized)

0.39%-11 bps YoY

Net Interest Margin (YTD, annualized)

2.88%

n/a

Efficiency Ratio (YTD, annualized)

79.58%

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1999	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	YoY Δ	Trend
Earnings
Return on Assets	0.68%	0.65%	0.62%	0.50%	0.42%	-0.53%	-8.54%	0.39%	-11 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	2.88%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	79.58%	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a	2.22%	n/a	n/a
Growth
Asset Growth (YoY)	26.33%	18.99%	20.43%	19.43%	34.68%	38.53%	29.45%	3.93%	-1,550 bps
Loan Growth (YoY)	27.41%	30.45%	29.21%	32.98%	51.98%	53.06%	29.21%	5.10%	-2,788 bps
Deposit Growth (YoY)	28.35%	19.24%	23.98%	20.92%	37.54%	45.29%	43.10%	15.85%	-507 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	0.06%	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	2.79%	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	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	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	-0.19%	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	-0.18%	n/a	n/a
Liquidity & Funding
Loans / Deposits	77.88%	81.06%	79.16%	82.75%	86.06%	85.39%	71.48%	75.07%	-768 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.05%	+5 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a