Parshall

Parshall, ND · Charter 62966

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.

Parshall, ND · Charter 62966

Q4 1998

$267KAssets

$160KLoans

$236KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.69%+151 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	4.22%	4.33%	3.60%	2.18%	1.98%	2.00%	2.73%	3.69%	+151 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	0.88%	-1.10%	-13.85%	-3.68%	-4.03%	-12.60%	-1,150 bps
Loan Growth (YoY)	n/a	n/a	12.57%	-8.51%	-9.65%	-11.47%	-20.96%	-29.69%	-2,118 bps
Share Growth (YoY)	n/a	n/a	-2.23%	0.64%	-15.44%	-0.98%	-2.89%	-13.62%	-1,426 bps
Asset Quality
Delinquent Loans / Loans	8.50%	7.06%	5.53%	10.57%	6.41%	4.73%	4.60%	10.63%	+5 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	5.39%	5.43%	5.57%	7.17%	6.58%	4.73%	5.35%	8.29%	+113 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	98.71%	103.67%	95.63%	83.33%	105.46%	92.69%	77.83%	67.84%	-1,550 bps
Liquid Assets / Assets	12.78%	10.67%	15.59%	24.34%	8.60%	11.87%	0.00%	8.03%	-1,631 bps