First Choice

Wichita, KS · Charter 7152

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.

Wichita, KS · Charter 7152

Q2 1997

$24.6MAssets

$15.7MLoans

$19.0MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.14%-59 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	4.73%	4.56%	5.23%	4.77%	4.14%	-59 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	11.79%	10.93%	14.58%	n/a
Loan Growth (YoY)	n/a	n/a	-0.26%	7.39%	17.47%	n/a
Share Growth (YoY)	n/a	n/a	10.72%	10.42%	15.40%	n/a
Asset Quality
Delinquent Loans / Loans	0.14%	0.33%	0.18%	0.69%	0.61%	+47 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.12%	0.97%	0.92%	0.85%	0.77%	-35 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	80.89%	81.19%	76.90%	80.82%	82.33%	+145 bps
Liquid Assets / Assets	9.32%	10.69%	15.25%	16.18%	10.32%	+100 bps