Fairbanks-Morse Emp

Kansas City, KS · Charter 68037

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.

Kansas City, KS · Charter 68037

Q2 1997

$948KAssets

$819KLoans

$860KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.49%-39 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	2.19%	2.99%	3.88%	3.81%	4.04%	4.05%	3.49%	-39 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	-4.17%	-13.74%	-11.90%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-14.22%	-18.50%	-12.38%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-5.69%	-15.41%	-13.77%	n/a
Asset Quality
Delinquent Loans / Loans	3.08%	0.89%	2.33%	1.21%	1.24%	5.91%	6.48%	+414 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	1.61%	0.89%	0.84%	0.86%	1.01%	1.07%	1.32%	+48 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	95.70%	97.32%	93.75%	91.02%	87.04%	93.77%	95.26%	+150 bps
Liquid Assets / Assets	8.34%	4.27%	9.00%	11.40%	15.11%	8.37%	10.48%	+148 bps