Jasper County Federal Employees

Newton, IA · Charter 64311

Q2 1998

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 1998, the quarter ended June 30, 1998, 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.

Newton, IA · Charter 64311

Q2 1998

$1.2MAssets

$616KLoans

$1.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

5.02%-1 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	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	1.14%	1.99%	4.21%	5.03%	3.44%	4.33%	4.62%	5.02%	-1 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	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	5.98%	10.60%	8.44%	16.69%	2.13%	-386 bps
Loan Growth (YoY)	n/a	n/a	n/a	-8.78%	-14.94%	-9.35%	-1.95%	-24.74%	-1,596 bps
Share Growth (YoY)	n/a	n/a	n/a	6.03%	13.54%	8.71%	19.12%	1.25%	-478 bps
Asset Quality
Delinquent Loans / Loans	2.46%	0.69%	5.66%	0.86%	3.18%	5.28%	5.37%	1.98%	+112 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	1.15%	1.92%	1.47%	1.82%	1.87%	1.96%	1.93%	3.73%	+191 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	94.37%	83.77%	85.56%	76.79%	70.70%	69.85%	70.42%	57.08%	-1,972 bps
Liquid Assets / Assets	14.33%	22.05%	21.89%	29.43%	35.15%	35.19%	34.57%	45.70%	+1,626 bps