QP&S Clinic Employees

Quincy, IL · Charter 65833

Q2 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: Q2 2000, the quarter ended June 30, 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.

Quincy, IL · Charter 65833

Q2 2000

$574KAssets

$274KLoans

$452KShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.24%-280 bps YoY

Net Interest Margin (YTD, annualized)

5.16%

Efficiency Ratio (YTD, annualized)

76.26%

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	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	3.75%	2.95%	3.69%	4.04%	3.88%	2.88%	0.86%	1.24%	-280 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	5.70%	5.16%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	82.35%	76.26%	n/a
Growth
Asset Growth (YoY)	-18.50%	-3.31%	-2.39%	1.88%	-1.97%	8.11%	6.13%	5.68%	+379 bps
Loan Growth (YoY)	9.33%	21.69%	27.18%	12.37%	0.09%	-17.32%	-15.73%	-19.44%	-3,180 bps
Share Growth (YoY)	-23.50%	-5.92%	-5.49%	-0.59%	-5.27%	7.30%	4.99%	4.87%	+545 bps
Asset Quality
Delinquent Loans / Loans	3.04%	0.89%	0.40%	0.19%	1.39%	0.81%	0.00%	0.52%	+34 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	1.46%	0.90%	0.71%	0.67%	0.72%	0.97%	0.68%	0.34%	-33 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	76.38%	80.10%	83.73%	78.94%	80.70%	61.71%	67.21%	60.64%	-1,830 bps
Liquid Assets / Assets	31.64%	23.07%	30.01%	28.56%	35.17%	46.02%	40.20%	0.20%	-2,836 bps