Educators

Omaha, NE · Charter 63499

Q4 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: Q4 1999, the quarter ended December 31, 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.

Omaha, NE · Charter 63499

Q4 1999

$14.4MAssets

$9.9MLoans

$11.9MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.05%-313 bps YoY

Net Interest Margin (YTD, annualized)

4.36%

n/a

Efficiency Ratio (YTD, annualized)

98.50%

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	YoY Δ	Trend
Earnings
Return on Assets	3.19%	2.74%	3.05%	3.18%	2.74%	2.96%	2.62%	0.05%	-313 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	4.36%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	98.50%	n/a	n/a
Growth
Asset Growth (YoY)	8.05%	5.96%	5.44%	-1.47%	-4.68%	1.33%	5.46%	7.25%	+872 bps
Loan Growth (YoY)	24.60%	6.69%	2.87%	-0.76%	-3.82%	0.47%	7.49%	12.01%	+1,277 bps
Share Growth (YoY)	7.55%	5.64%	5.52%	-3.06%	-6.55%	0.30%	5.49%	7.80%	+1,086 bps
Asset Quality
Delinquent Loans / Loans	0.27%	0.47%	0.48%	0.64%	0.45%	0.20%	0.20%	0.09%	-56 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	0.30%	0.35%	0.33%	0.28%	0.21%	0.22%	0.23%	0.15%	-13 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	78.43%	78.54%	77.19%	80.51%	80.73%	78.68%	78.65%	83.65%	+314 bps
Liquid Assets / Assets	8.97%	9.68%	12.89%	10.29%	11.38%	11.29%	15.61%	2.94%	-735 bps