Bird and Beaker

Clinton, IA · Charter 61921

Q2 1999

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 1999, the quarter ended June 30, 1999, 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.

Clinton, IA · Charter 61921

Q2 1999

$1.5MAssets

$955KLoans

$1.2MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.36%-25 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	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	4.92%	4.67%	4.81%	4.61%	4.84%	4.34%	4.40%	4.36%	-25 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	5.79%	-2.62%	13.67%	11.92%	10.74%	13.96%	16.05%	+238 bps
Loan Growth (YoY)	n/a	23.22%	25.86%	25.72%	11.11%	2.83%	-3.33%	-9.33%	-3,505 bps
Share Growth (YoY)	n/a	5.57%	-4.79%	14.22%	14.15%	10.89%	14.99%	17.57%	+335 bps
Asset Quality
Delinquent Loans / Loans	1.31%	1.14%	1.63%	0.98%	2.38%	1.56%	1.42%	1.09%	+11 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	0.50%	0.72%	1.19%	1.08%	1.35%	1.68%	1.66%	2.18%	+109 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	101.74%	97.25%	106.77%	101.99%	99.03%	90.18%	89.75%	78.66%	-2,333 bps
Liquid Assets / Assets	8.53%	18.94%	5.07%	16.01%	18.99%	25.39%	26.56%	34.52%	+1,851 bps