Osage Valley

Osawatomie, KS · Charter 62891

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.

Osawatomie, KS · Charter 62891

Q2 1999

$1.4MAssets

$970KLoans

$1.0MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.41%-218 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	6.13%	5.36%	5.80%	5.59%	4.77%	4.11%	4.59%	3.41%	-218 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	10.92%	5.58%	6.79%	11.75%	8.85%	6.86%	12.47%	+568 bps
Loan Growth (YoY)	n/a	-4.43%	-9.90%	-4.71%	6.25%	8.25%	1.00%	16.32%	+2,103 bps
Share Growth (YoY)	n/a	5.05%	-1.10%	0.68%	7.89%	5.49%	3.57%	11.79%	+1,111 bps
Asset Quality
Delinquent Loans / Loans	0.00%	0.00%	0.00%	0.49%	0.00%	0.49%	0.00%	0.00%	-49 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	1.69%	1.72%	1.66%	1.68%	1.10%	1.15%	1.35%	1.24%	-44 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	89.53%	78.58%	90.36%	89.48%	88.16%	80.64%	88.11%	93.11%	+363 bps
Liquid Assets / Assets	25.15%	32.33%	27.23%	28.78%	28.16%	33.07%	30.71%	23.21%	-557 bps