Kansas City Community

Kansas City, KS · Charter 62700

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.

Kansas City, KS · Charter 62700

Q2 1998

$2.7MAssets

$1.7MLoans

$2.5MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.11%-64 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 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	3.11%	3.44%	3.49%	3.75%	3.90%	3.24%	3.54%	3.11%	-64 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	n/a	n/a	0.21%	-2.41%	-1.00%	-7.86%	-7.98%	-819 bps
Loan Growth (YoY)	n/a	n/a	n/a	4.47%	-0.28%	0.12%	-1.13%	-7.89%	-1,236 bps
Share Growth (YoY)	n/a	n/a	n/a	-1.20%	-4.10%	-2.50%	-10.22%	-10.40%	-920 bps
Asset Quality
Delinquent Loans / Loans	1.23%	0.86%	0.00%	0.95%	0.50%	0.57%	0.53%	0.60%	-35 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	1.38%	1.52%	1.59%	1.20%	1.27%	1.16%	0.79%	0.60%	-61 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	64.08%	61.36%	59.20%	65.22%	66.64%	63.00%	65.20%	67.05%	+183 bps
Liquid Assets / Assets	29.45%	27.12%	26.77%	22.48%	17.62%	27.53%	24.33%	26.62%	+414 bps