Ames Postal Employees

Ames, IA · Charter 64260

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.

Ames, IA · Charter 64260

Q2 2000

$1.3MAssets

$861KLoans

$1.2MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-0.71%-266 bps YoY

Net Interest Margin (YTD, annualized)

5.02%

Efficiency Ratio (YTD, annualized)

91.79%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1998	Q2 1999	Q4 1999	Q1 2000	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	1.95%	3.42%	0.53%	0.06%	-0.71%	-266 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	4.68%	5.18%	5.02%	n/a
Efficiency Ratio	n/a	n/a	88.62%	82.06%	91.79%	n/a
Growth
Asset Growth (YoY)	-9.64%	4.11%	0.37%	-7.17%	-15.10%	-546 bps
Loan Growth (YoY)	1.48%	2.57%	-11.55%	-7.19%	-14.00%	-1,548 bps
Share Growth (YoY)	-9.08%	5.76%	1.38%	-6.59%	-16.51%	-743 bps
Asset Quality
Delinquent Loans / Loans	2.45%	0.40%	0.40%	0.77%	0.95%	-150 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.37%	2.05%	2.10%	2.10%	1.87%	-50 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	69.98%	58.31%	62.05%	65.91%	72.09%	+211 bps
Liquid Assets / Assets	31.74%	42.67%	0.00%	9.46%	10.74%	-2,100 bps