Menninger Employees

Topeka, KS · Charter 63305

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.

Topeka, KS · Charter 63305

Q2 1999

$3.5MAssets

$1.8MLoans

$2.6MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.23%-4 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	3.95%	3.16%	3.35%	3.27%	3.37%	3.15%	3.35%	3.23%	-4 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	-9.38%	-10.08%	-3.76%	-9.59%	-11.71%	-14.87%	-14.20%	-1,044 bps
Loan Growth (YoY)	n/a	14.77%	-2.01%	-12.30%	-23.45%	-32.97%	-34.13%	-34.10%	-2,180 bps
Share Growth (YoY)	n/a	-13.93%	-14.13%	-6.82%	-13.71%	-16.17%	-20.37%	-19.32%	-1,250 bps
Asset Quality
Delinquent Loans / Loans	0.46%	0.52%	0.47%	1.60%	1.66%	1.36%	1.22%	0.87%	-73 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	0.35%	0.33%	0.39%	0.37%	0.44%	0.41%	0.46%	0.51%	+14 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	106.46%	103.00%	94.84%	85.30%	94.44%	82.36%	78.46%	69.68%	-1,563 bps
Liquid Assets / Assets	11.35%	14.13%	20.68%	29.37%	24.90%	34.47%	38.88%	45.32%	+1,596 bps