Sioux City Postal Employees

Sioux City, IA · Charter 63929

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.

Sioux City, IA · Charter 63929

Q2 2000

$3.4MAssets

$1.5MLoans

$2.7MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.18%-209 bps YoY

Net Interest Margin (YTD, annualized)

5.37%

Efficiency Ratio (YTD, annualized)

96.92%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q1 2000	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	2.55%	3.18%	2.45%	2.27%	1.79%	-0.39%	0.24%	0.18%	-209 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	5.13%	5.12%	5.37%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	94.86%	95.62%	96.92%	n/a
Growth
Asset Growth (YoY)	-16.92%	-20.59%	-12.14%	-2.06%	-8.04%	-5.21%	-7.56%	-13.78%	-1,172 bps
Loan Growth (YoY)	-34.27%	-33.88%	-34.20%	-33.29%	-37.17%	-24.31%	-13.20%	-7.70%	+2,558 bps
Share Growth (YoY)	-19.95%	-24.62%	-15.78%	-3.41%	-10.31%	-6.48%	-9.20%	-16.82%	-1,341 bps
Asset Quality
Delinquent Loans / Loans	2.84%	0.90%	0.24%	1.68%	1.18%	0.27%	0.27%	1.43%	-25 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	1.77%	1.29%	1.46%	1.59%	1.95%	1.90%	1.92%	1.94%	+36 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	65.43%	66.30%	55.58%	49.45%	45.84%	53.66%	53.13%	54.87%	+542 bps
Liquid Assets / Assets	35.26%	35.57%	41.61%	51.55%	50.62%	31.13%	33.25%	32.01%	-1,955 bps