Council Bluffs Postal

Council Bluffs, IA · Charter 64987

Q2 1997

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 1997, the quarter ended June 30, 1997, 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.

Council Bluffs, IA · Charter 64987

Q2 1997

$2.2MAssets

$1.1MLoans

$2.0MShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.08%-250 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	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	2.24%	3.14%	3.58%	0.98%	3.59%	-0.63%	1.08%	-250 bps
Return on Equity	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
Efficiency Ratio	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	n/a	-7.24%	-11.27%	-11.21%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-3.27%	-40.76%	-51.60%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-7.28%	-6.19%	0.74%	n/a
Asset Quality
Delinquent Loans / Loans	3.42%	1.85%	22.87%	5.57%	5.97%	6.87%	2.38%	-2,049 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.07%	1.25%	1.20%	2.39%	2.45%	1.88%	2.04%	+84 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	76.68%	106.26%	115.35%	91.36%	79.99%	67.10%	55.42%	-5,993 bps
Liquid Assets / Assets	8.01%	8.03%	4.44%	16.77%	24.70%	29.63%	3.27%	-117 bps