Journal Employees

Sioux City, IA · Charter 65200

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.

Sioux City, IA · Charter 65200

Q2 1997

$117KAssets

$81KLoans

$93KShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.33%+137 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	1.79%	2.47%	2.96%	4.32%	2.41%	2.97%	4.33%	+137 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	-23.97%	-21.86%	-26.14%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	104.91%	67.78%	-18.64%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-30.48%	-26.11%	-30.34%	n/a
Asset Quality
Delinquent Loans / Loans	0.19%	0.00%	0.00%	1.52%	1.03%	1.19%	1.56%	+156 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	3.22%	2.53%	1.61%	1.78%	2.21%	2.12%	2.77%	+116 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	29.87%	41.43%	74.90%	102.83%	88.06%	94.08%	87.47%	+1,258 bps
Liquid Assets / Assets	16.59%	19.11%	34.65%	9.76%	10.38%	11.34%	18.60%	-1,605 bps