Volga

Volga, SD · Charter 17631

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.

Volga, SD · Charter 17631

Q2 1996

$1.4MAssets

$1.5MLoans

$1.4MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-29.22%-3,484 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	5.62%	5.27%	5.01%	5.22%	-29.22%	-3,484 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	7.94%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	26.01%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	30.02%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	3.85%	3.85%	4.64%	5.09%	10.19%	+634 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.20%	0.94%	1.30%	1.49%	17.16%	+1,596 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	111.60%	101.58%	106.72%	112.01%	108.16%	-344 bps
Liquid Assets / Assets	0.00%	0.00%	0.02%	0.80%	0.00%	0 bps