Northwestern Drug Company Employees

Minneapolis, MN · Charter 64847

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.

Minneapolis, MN · Charter 64847

Q2 1998

$219KAssets

$123KLoans

$126KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

1.18%-107 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 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	2.25%	2.03%	3.09%	2.56%	1.18%	-107 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)	-11.57%	-4.31%	-0.24%	-7.45%	-12.74%	-117 bps
Loan Growth (YoY)	-5.99%	54.66%	-13.89%	-2.24%	-1.53%	+446 bps
Share Growth (YoY)	-17.59%	-7.72%	-2.85%	-15.10%	-21.45%	-386 bps
Asset Quality
Delinquent Loans / Loans	0.00%	1.05%	0.62%	0.40%	3.80%	+380 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.38%	1.51%	2.01%	2.40%	3.37%	+199 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	77.74%	94.72%	77.17%	119.45%	97.46%	+1,972 bps
Liquid Assets / Assets	20.79%	21.21%	18.61%	9.70%	39.41%	+1,862 bps