Quaker Oats Employees

St. Joseph, MO · Charter 64096

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.

St. Joseph, MO · Charter 64096

Q4 1999

$4.5MAssets

$2.6MLoans

$3.8MShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.46%-391 bps YoY

Net Interest Margin (YTD, annualized)

4.06%

n/a

Efficiency Ratio (YTD, annualized)

63.15%

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	10.76%	5.20%	5.45%	5.37%	4.83%	4.98%	4.70%	1.46%	-391 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	4.06%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	63.15%	n/a	n/a
Growth
Asset Growth (YoY)	-2.02%	5.16%	13.06%	11.34%	20.33%	11.21%	7.46%	3.07%	-827 bps
Loan Growth (YoY)	10.04%	9.52%	4.05%	2.38%	2.50%	-2.29%	-4.66%	-7.37%	-975 bps
Share Growth (YoY)	-4.39%	3.35%	12.65%	10.71%	20.08%	10.68%	5.81%	0.54%	-1,017 bps
Asset Quality
Delinquent Loans / Loans	0.07%	0.18%	0.17%	0.26%	0.00%	0.03%	0.61%	0.12%	-15 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	0.32%	0.18%	0.23%	0.38%	0.16%	0.16%	0.07%	0.08%	-30 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	79.92%	77.37%	75.28%	73.90%	68.22%	68.30%	67.84%	68.09%	-581 bps
Liquid Assets / Assets	26.81%	31.07%	33.03%	34.41%	39.09%	37.17%	39.50%	0.00%	-3,441 bps