Kansas Power & Light Emp. Cr. Un.

Leavenworth, KS · Charter 67842

Q2 1996

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 1996, the quarter ended June 30, 1996, 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.

Leavenworth, KS · Charter 67842

Q2 1996

$137KAssets

$79KLoans

$115KShares

n/aNet Worth

Return on Assets (YTD, annualized)

6.85%+234 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	YoY Δ	Trend
Earnings
Return on Assets	4.52%	3.81%	5.27%	4.43%	6.85%	+234 bps
Return on Equity	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
Efficiency Ratio	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	-1.53%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	9.94%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-5.27%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	1.96%	0.00%	1.59%	3.29%	1.65%	-31 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.02%	0.54%	0.46%	0.49%	0.52%	+50 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	58.68%	64.45%	76.37%	69.97%	68.10%	+942 bps
Liquid Assets / Assets	24.81%	25.40%	26.21%	24.26%	25.33%	+52 bps