Area Catholic

Sioux City, IA · Charter 64220

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.

Sioux City, IA · Charter 64220

Q2 1999

$6.9MAssets

$5.1MLoans

$6.1MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.28%-35 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	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	3.62%	3.91%	3.29%	3.58%	3.28%	-35 bps
Return on Equity	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
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	6.36%	3.01%	5.07%	9.38%	7.33%	+97 bps
Loan Growth (YoY)	-3.06%	1.40%	19.39%	6.75%	5.66%	+872 bps
Share Growth (YoY)	4.24%	0.83%	3.48%	8.30%	6.41%	+217 bps
Asset Quality
Delinquent Loans / Loans	0.18%	0.15%	0.25%	0.61%	0.73%	+54 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.45%	0.43%	0.53%	0.66%	0.65%	+20 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	83.29%	92.77%	88.27%	84.14%	82.70%	-58 bps
Liquid Assets / Assets	19.70%	12.72%	14.83%	21.77%	21.11%	+141 bps