C. R. F. D.

Cedar Rapids, IA · Charter 65018

Q1 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: Q1 2000, the quarter ended March 31, 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.

Cedar Rapids, IA · Charter 65018

Q1 2000

$2.2MAssets

$1.9MLoans

$2.0MShares

n/aNet Worth

Return on Assets (YTD, annualized)

-7.93%-1,150 bps YoY

Net Interest Margin (YTD, annualized)

4.94%

Efficiency Ratio (YTD, annualized)

228%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q1 2000	YoY Δ	Trend
Earnings
Return on Assets	4.29%	4.62%	4.26%	3.57%	2.47%	2.84%	-0.53%	-7.93%	-1,150 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	4.50%	4.94%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	106.11%	228%	n/a
Growth
Asset Growth (YoY)	-8.07%	7.25%	14.15%	13.75%	16.86%	24.60%	27.78%	16.86%	+311 bps
Loan Growth (YoY)	-15.26%	8.78%	24.12%	13.51%	18.81%	18.93%	30.95%	36.42%	+2,291 bps
Share Growth (YoY)	-8.25%	7.53%	10.23%	13.38%	22.33%	37.26%	37.72%	24.15%	+1,077 bps
Asset Quality
Delinquent Loans / Loans	1.99%	1.08%	1.02%	1.02%	2.24%	0.92%	2.32%	3.23%	+221 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	1.24%	1.21%	1.26%	1.39%	1.30%	1.13%	1.05%	1.12%	-27 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	91.44%	96.60%	93.14%	83.78%	88.81%	83.70%	88.57%	92.06%	+828 bps
Liquid Assets / Assets	7.87%	7.33%	8.08%	20.28%	15.82%	15.34%	6.39%	8.16%	-1,212 bps