Western Auto

Kansas City, MO · Charter 62804

Q4 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: Q4 1998, the quarter ended December 31, 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, MO · Charter 62804

Q4 1998

$3.5MAssets

$2.1MLoans

$3.0MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.57%-57 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	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	5.68%	5.45%	4.59%	5.14%	4.48%	5.27%	5.83%	4.57%	-57 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	-9.09%	-4.66%	-7.35%	-13.13%	-17.03%	-23.97%	-1,931 bps
Loan Growth (YoY)	n/a	n/a	4.12%	1.96%	-1.00%	-3.04%	-13.65%	-23.06%	-2,501 bps
Share Growth (YoY)	n/a	n/a	-10.05%	-6.72%	-9.21%	-16.11%	-20.82%	-27.07%	-2,035 bps
Asset Quality
Delinquent Loans / Loans	1.14%	2.03%	0.62%	1.62%	1.88%	1.96%	2.34%	4.85%	+323 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	2.16%	2.32%	2.02%	1.76%	2.11%	3.01%	2.26%	2.26%	+49 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	63.61%	64.32%	63.89%	66.84%	69.36%	74.34%	69.67%	70.52%	+368 bps
Liquid Assets / Assets	12.10%	9.77%	20.91%	20.39%	22.63%	8.60%	16.79%	13.61%	-677 bps