Louzion

Louisville, KY · Charter 16877

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.

Louisville, KY · Charter 16877

Q2 2000

$197KAssets

$36KLoans

$156KShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.28%-249 bps YoY

Net Interest Margin (YTD, annualized)

3.62%

Efficiency Ratio (YTD, annualized)

92.39%

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	3.99%	2.92%	2.73%	2.77%	2.42%	-0.19%	-0.82%	0.28%	-249 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	4.35%	3.62%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	100.06%	92.39%	n/a
Growth
Asset Growth (YoY)	3.16%	2.16%	-0.71%	-2.84%	-4.93%	-9.29%	-3.34%	25.00%	+2,784 bps
Loan Growth (YoY)	-26.31%	-15.74%	-16.25%	-26.23%	-2.29%	-20.94%	-21.02%	-19.90%	+633 bps
Share Growth (YoY)	-3.69%	-1.49%	-7.34%	-7.36%	-7.83%	-11.62%	-2.45%	33.91%	+4,127 bps
Asset Quality
Delinquent Loans / Loans	17.57%	18.90%	14.10%	16.98%	15.36%	27.41%	26.09%	29.13%	+1,215 bps
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	15.91%	14.19%	11.60%	14.41%	11.96%	16.16%	16.31%	19.98%	+557 bps
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	41.20%	44.07%	46.17%	38.83%	43.68%	39.42%	37.38%	23.23%	-1,561 bps
Liquid Assets / Assets	60.67%	60.74%	57.73%	61.62%	63.98%	66.94%	66.30%	30.42%	-3,120 bps