Graco Employees

Minneapolis, MN · Charter 62938

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.

Minneapolis, MN · Charter 62938

Q2 1998

$7.3MAssets

$6.2MLoans

$6.9MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.36%-70 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	4.23%	4.56%	4.63%	3.06%	5.47%	4.14%	3.76%	2.36%	-70 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	17.42%	14.65%	8.81%	7.88%	-0.32%	-1,774 bps
Loan Growth (YoY)	n/a	n/a	n/a	16.23%	11.60%	11.79%	5.80%	2.29%	-1,394 bps
Share Growth (YoY)	n/a	n/a	n/a	18.56%	15.18%	11.36%	9.02%	0.52%	-1,804 bps
Asset Quality
Delinquent Loans / Loans	1.23%	0.86%	2.68%	2.80%	2.17%	3.99%	1.92%	2.92%	+12 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	0.55%	0.21%	0.43%	0.75%	0.76%	1.29%	1.31%	2.90%	+215 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	93.74%	93.06%	95.07%	89.12%	90.83%	93.43%	92.27%	90.69%	+157 bps
Liquid Assets / Assets	3.48%	3.08%	1.80%	3.61%	5.17%	8.40%	1.97%	10.35%	+674 bps