Lafayette County Bank of Lexington/Wellington

Lexington, MO · Cert 9390

FDIC

Q1 2001

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: Q1 2001, the quarter ended March 31, 2001, 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.

Lexington, MO · Cert 9390

FDIC

Q1 2001

$52.7MAssets

$18.2MLoans

$43.5MDeposits

$4.6MEquity

Deposit mix

Earnings: ROA of 0.57%, down 7 bps year over year; NIM at 2.65%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.48%.
Funding: loans stand at 41.86% of deposits as of Q1 2001.

Return on Assets (YTD, annualized)

0.57%-7 bps YoY

Net Interest Margin (YTD, annualized)

2.65%

n/a

Efficiency Ratio (YTD, annualized)

70.56%

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1999	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	YoY Δ	Trend
Earnings
Return on Assets	0.52%	0.57%	0.65%	0.64%	0.73%	0.77%	0.76%	0.57%	-7 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	2.65%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	70.56%	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.71%	n/a	n/a
Growth
Asset Growth (YoY)	17.41%	17.76%	6.53%	1.63%	-1.91%	1.46%	6.30%	14.12%	+1,249 bps
Loan Growth (YoY)	-0.05%	-5.49%	-5.26%	-10.56%	-4.41%	6.24%	9.30%	17.00%	+2,756 bps
Deposit Growth (YoY)	16.69%	17.89%	7.33%	1.38%	-2.17%	0.70%	6.02%	6.27%	+489 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	0.48%	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.86%	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	16.89%	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	8.75%	n/a	n/a
Liquidity & Funding
Loans / Deposits	44.33%	41.82%	41.45%	38.02%	43.31%	44.12%	42.73%	41.86%	+384 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	33.11%	+3,311 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a