Communityamerica

Shawnee Mission, KS · Charter 61435

Q2 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: Q2 1998, the quarter ended June 30, 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.

Shawnee Mission, KS · Charter 61435

Q2 1998

$171.2MAssets

$136.6MLoans

$147.9MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.90%-10 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	Q3 1996	Q4 1996	Q1 1997	Q2 1997	Q3 1997	Q4 1997	Q1 1998	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	n/a	5.31%	5.05%	5.01%	5.06%	5.05%	4.78%	4.90%	-10 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)	7.67%	5.67%	7.67%	8.73%	9.53%	9.95%	14.16%	13.85%	+512 bps
Loan Growth (YoY)	11.78%	9.88%	9.73%	9.81%	14.27%	18.88%	25.97%	29.84%	+2,003 bps
Share Growth (YoY)	6.29%	4.23%	6.68%	7.72%	8.80%	9.15%	13.56%	13.91%	+618 bps
Asset Quality
Delinquent Loans / Loans	0.55%	0.57%	0.41%	0.34%	0.33%	0.33%	0.29%	0.26%	-8 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	0.68%	0.65%	0.68%	0.68%	0.66%	0.63%	0.59%	0.59%	-9 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	81.33%	82.12%	79.80%	81.04%	85.42%	89.44%	88.53%	92.37%	+1,134 bps
Liquid Assets / Assets	12.88%	14.99%	13.00%	12.66%	12.59%	11.77%	14.09%	10.81%	-184 bps