City Employees

Mason City, IA · Charter 65041

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.

Mason City, IA · Charter 65041

Q2 1998

$4.6MAssets

$3.8MLoans

$4.3MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.57%+179 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	3.52%	4.17%	3.60%	2.78%	2.90%	2.14%	3.34%	4.57%	+179 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	-0.47%	-3.68%	-13.13%	-8.33%	-17.14%	-1,667 bps
Loan Growth (YoY)	n/a	n/a	n/a	9.85%	3.68%	-5.61%	-5.25%	-2.13%	-1,198 bps
Share Growth (YoY)	n/a	n/a	n/a	3.27%	13.23%	0.71%	-7.85%	-17.93%	-2,120 bps
Asset Quality
Delinquent Loans / Loans	1.09%	1.81%	2.41%	1.54%	1.53%	0.30%	0.05%	0.00%	-154 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	0.80%	0.96%	1.44%	0.95%	1.66%	1.68%	1.74%	1.51%	+57 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	88.78%	92.80%	84.43%	72.57%	81.29%	86.97%	86.82%	86.54%	+1,397 bps
Liquid Assets / Assets	10.60%	10.56%	9.62%	14.74%	9.80%	12.68%	7.13%	5.96%	-878 bps