Northland

Liberty, MO · Charter 64322

Q4 1996

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 1996, the quarter ended December 31, 1996, 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.

Liberty, MO · Charter 64322

Q4 1996

$1.9MAssets

$836KLoans

$1.8MShares

n/aNet Worth

Return on Assets (YTD, annualized)

-3.05%-776 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 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	5.28%	4.71%	3.50%	3.76%	0.00%	-3.05%	-776 bps
Return on Equity	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
Efficiency Ratio	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	n/a	-4.46%	-12.49%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-24.33%	-43.73%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-4.49%	-7.47%	n/a
Asset Quality
Delinquent Loans / Loans	1.20%	4.55%	8.83%	13.75%	17.60%	7.01%	+246 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.52%	1.99%	3.40%	3.63%	7.04%	8.62%	+662 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	75.00%	75.13%	82.92%	67.76%	59.42%	45.69%	-2,944 bps
Liquid Assets / Assets	20.74%	26.08%	24.76%	30.28%	41.12%	39.57%	+1,349 bps