Hillyard Employees

St. Joseph, MO · Charter 63463

Q2 2000

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 2000, the quarter ended June 30, 2000, 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.

St. Joseph, MO · Charter 63463

Q2 2000

$1.2MAssets

$726KLoans

$1.0MShares

n/aNet Worth

Return on Assets (YTD, annualized)

-1.17%-492 bps YoY

Net Interest Margin (YTD, annualized)

4.65%

Efficiency Ratio (YTD, annualized)

62.89%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	5.46%	4.15%	3.65%	3.76%	3.12%	2.37%	-1.79%	-1.17%	-492 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	4.32%	4.65%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	68.18%	62.89%	n/a
Growth
Asset Growth (YoY)	-11.49%	8.50%	2.45%	-2.07%	6.16%	0.63%	8.32%	1.39%	+346 bps
Loan Growth (YoY)	-21.47%	-13.81%	-3.29%	1.21%	13.82%	-2.98%	-2.25%	-5.06%	-627 bps
Share Growth (YoY)	-15.54%	6.84%	1.00%	-3.27%	7.52%	2.11%	12.20%	5.20%	+847 bps
Asset Quality
Delinquent Loans / Loans	4.18%	6.78%	11.74%	11.20%	10.01%	8.87%	5.05%	11.40%	+21 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	2.63%	3.71%	4.01%	3.62%	4.63%	2.73%	4.35%	6.53%	+292 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	68.92%	70.86%	75.73%	76.91%	72.96%	67.33%	65.97%	69.41%	-750 bps
Liquid Assets / Assets	37.99%	37.78%	34.87%	30.64%	35.90%	39.43%	0.00%	38.18%	+754 bps