Seventh

Coffeyville, KS · Charter 67822

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.

Coffeyville, KS · Charter 67822

Q2 2000

$3KAssets

$0KLoans

$0KShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.00%-506 bps YoY

Net Interest Margin (YTD, annualized)

0.00%

Efficiency Ratio (YTD, annualized)

n/a

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	4.15%	5.18%	5.26%	5.06%	4.85%	4.60%	1.01%	0.00%	-506 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	2.60%	0.00%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	62.75%	n/a	n/a	n/a
Growth
Asset Growth (YoY)	5.03%	1.95%	4.87%	-0.31%	-3.89%	1.72%	0.70%	-97.85%	-9,754 bps
Loan Growth (YoY)	44.19%	53.45%	21.02%	44.82%	-11.92%	-28.35%	-84.01%	-100.00%	-14,482 bps
Share Growth (YoY)	2.82%	-1.69%	2.13%	-1.41%	-3.66%	0.38%	-0.39%	-100.00%	-9,859 bps
Asset Quality
Delinquent Loans / Loans	0.40%	0.00%	22.21%	0.00%	0.00%	6.47%	0.00%	n/a	n/a
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	3.23%	3.18%	3.82%	3.85%	3.99%	4.62%	23.91%	n/a	n/a
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	57.58%	66.28%	56.22%	57.47%	52.65%	47.31%	9.02%	n/a	n/a
Liquid Assets / Assets	50.43%	43.58%	50.37%	48.19%	49.49%	57.71%	39.68%	0.00%	-4,819 bps