Top Gas Credit Union

Topeka, KS · Charter 67819

Q4 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: Q4 1997, the quarter ended December 31, 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.

Topeka, KS · Charter 67819

Q4 1997

$1.1MAssets

$986KLoans

$936KShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.04%-353 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	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	5.08%	4.57%	5.66%	5.57%	5.20%	5.50%	-0.36%	2.04%	-353 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	n/a	-3.13%	-4.04%	-11.78%	-14.16%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	24.97%	2.59%	-14.59%	-15.69%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-5.03%	-9.41%	-6.71%	-9.54%	n/a
Asset Quality
Delinquent Loans / Loans	1.85%	2.57%	3.28%	4.20%	5.74%	4.84%	3.01%	7.41%	+321 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	2.37%	3.30%	2.58%	1.58%	1.62%	0.87%	1.35%	1.47%	-11 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	79.42%	99.73%	117.22%	112.95%	104.52%	112.93%	107.33%	105.27%	-767 bps
Liquid Assets / Assets	24.51%	9.79%	1.34%	0.63%	3.01%	0.23%	2.58%	4.30%	+368 bps