Sioux Falls V A

Sioux Falls, SD · Charter 5334

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.

Sioux Falls, SD · Charter 5334

Q2 2000

$10.7MAssets

$7.7MLoans

$9.2MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

0.55%-335 bps YoY

Net Interest Margin (YTD, annualized)

4.36%

Efficiency Ratio (YTD, annualized)

78.23%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	3.90%	3.91%	2.81%	0.12%	0.55%	-335 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	4.03%	4.36%	n/a
Efficiency Ratio	n/a	n/a	n/a	79.33%	78.23%	n/a
Growth
Asset Growth (YoY)	2.53%	5.31%	9.25%	5.14%	3.12%	+59 bps
Loan Growth (YoY)	-0.12%	-1.75%	-3.63%	-2.67%	-1.21%	-109 bps
Share Growth (YoY)	-0.77%	3.39%	8.71%	4.57%	3.75%	+452 bps
Asset Quality
Delinquent Loans / Loans	3.30%	4.11%	2.92%	4.02%	3.11%	-19 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.77%	1.07%	0.81%	0.80%	0.82%	+5 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	87.86%	84.98%	81.07%	83.70%	83.65%	-420 bps
Liquid Assets / Assets	18.04%	20.51%	24.26%	12.07%	12.06%	-598 bps